Albert is a 34-year-old married man. He has 3 children. He describes himself to be determined. He operates a retail business where he sells eggs. He has been involved in this business for 5 years. His business is located in a favorable place, and his primary customers are the general public. He will use the KES 50,000 loan to buy more stock of eggs. His business goal is to own a company within 5 years. He hopes that in the future he will have a stable life. This is his second loan with SMEP DTM. His previous loan of KES 20,000 was repaid successfully. He will use the anticipated profits to start a wholesale business for selling eggs.