Dickson is a married man. He describes himself to be prosperous. He operates a cyber café where he offers internet browsing and printing services. His business is located in a marketable area and his primary customers are the general public. He describes his biggest business challenge to be insufficient funds. He will use the KES 50,000 loan to buy printing papers and other cyber cafe items to enable him expand business. His business goal is to have a bigger cyber premise within five years. He hopes that in the future he will have more businesses. This is his second loan with SMEP Microfinance Bank. The previous loan was repaid successfully.