Samuel is a 43-year-old married man. He has 6 children ranging in age from 7 to 17 years old. He describes himself to be enterprising. He operates a retail store where he sells cooking gas. He has been involved in this business for 13 years. His business is located in an area with potential and his primary customers are his regular customers. He describes his biggest business challenge to be the high cost of operation. He will use the KES 50,000 loan to add to his stock of cooking gas. His business goal is to be a gas wholesaler within 5 years. He hopes that in the future, he will sustain his family. This is his second loan with SMEP DTM. A previous loan of KES 20,000 was repaid successfully. He will use the anticipated profits to improve his living standards.