Kenneth is a 34-year-old married man. He has two children, ages two years and four years. He describes himself as hopeful. He operates a timber store where he sells timber. He has been involved in this business for five years. His primary customers are small-scale customers. He describes his biggest business challenge to be government restrictions. He will use the 40,000 KES loan to buy more trees to produce timber. His business goal is to excel within five years. He hopes that he will have a brighter future. This is his second loan with SMEP DTM. His previous loan of 20,000 KES was repaid successfully.