Geoffrey is a married man. He has seven children. He describes himself as motivated. He operates a retail shop where he sells bread, juices, biscuits and other items. He has been involved in this business for ten years. His business is located in a good area and his primary customers are local residents. He describes his biggest business challenge as lack of enough funds. He will use the KES 50,000 loan to add stock of juices, bread, biscuits and other items. His business goal is to own a wholesale shop within five years. He hopes that in the future, he will improve his living standards. This is his fifth loan with SMEP DTM. His previous loan of KES 20,000 was repaid successfully.