Nicholas is a Kiva borrower. He describes himself as focused, determined, and honest. He operates a grinding mill where he grinds maize to sell as maize flour. He has been involved in this business for six years. His business is located in an area of high potential. His primary customers are of all types. He describes his biggest business challenge to be low demand. He will use the 40,000 KES loan to buy more maize. His business goal is to be successful within five years. He hopes that he will have a bright future. This is his second loan with SMEP - Deposit Taking Microfinance Limited.