Maurice is a 30-year-old married man with three children, ages 3 to 12 years. He describes himself as disciplined. He operates a retail business where he sells lubricants for motor vehicles and other machines. He has been involved in this business for 10 years. His business is located in a vibrant place and his primary customers are mechanics. He describes his biggest business challenge to be lack of funds to buy more stock. He will use the KES 90,000 loan to buy more lubricants. This will enable him have enough stock to sell and increase sales and profits. His business goal is to open a garage within five years. This is his fourth loan with SMEP DTM. Previous loans worth KES 100,000 were repaid successfully. He will use the anticipated profits to educate his children.