Samuel is a married man. He has 3 children. He describes himself to be business oriented. He operates a barber shop where he cuts hair. He has been involved in this business for 6 years. His business is located in a busy area and his primary customers are males. He describes his biggest business challenge to be lack of enough capital. He will use the Kes 30,000 loan to buy a hair cutting machine. His business goal is to open another barber shop within 5 years. This is his second loan with SMEP DTM. He will use the anticipated profits to pay school fees for his children and improve the living standards of his family.