Daniel is a 42-year-old married man and has one child. He describes himself to be humble. He operates a retail shop where he sells sugar, rice, flour, cooking fat, maize and beans and he has been involved in this business for five years. His business is located in a shopping centre and his primary customers are local residents. He will use the 40,000 KES loan to buy more stock of rice, sugar, cooking fat and other items. He will use the anticipated profits to expand his business. His business goal is to be stable and fully grown within five years, and he hopes that in the future, he will achieve his dreams. This is his sixth loan with SMEP DTM. A previous loan of 50,000 KES was repaid successfully.