Bernard is a married man. He has two children. He operates a motor vehicle repair business. His business is located in a busy area and his primary customers are vehicle owners. He describes his biggest business challenge as lack of capital. He will use the KES 20,000 loan to buy metal sheets for making car exhausts which he sells to motor vehicle owners. He hopes that in the future, he will have financial success. This is his first loan with SMEP DTM.