Daglus is a married man. He has 3 children with ages ranging from 7 years to 11 years. He describes himself to be determined. He operates a M-Pesa outlet. He has been involved in this business for 4 years. He describes his biggest business challenge to be a lack of financial resources. He will use the KES 20,000 loan to improve cashflow. His business goal is to own many M-Pesa outlets within 5 years. This is his first loan with SMEP Microfinance Bank. He will use the anticipated profits from the loan to educate his children.