Julius is a 33-year-old married man. He has one child. He describes himself as focused, determined and honest. He operates a restaurant where he sells tea and cooked food. He has been involved in this business for five years. His business is located in an area with potential and 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 ingredients for preparing food. 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.