James is a married man. He has one child. He describes himself as ambitious. He operates a transport business where he transports sand and building stones to customers using his lorry. He has been involved in this business for 10 years. His business is located in an area with potential. He describes his biggest business challenge to be lack of enough capital. He will use the KES 90,000 loan to buy an engine for his lorry and pay for servicing. His business goal is to expand within five years. He hopes that in the future, he will create employment. This is his fifth loan with SMEP Microfinance Bank. Previous loans were repaid successfully.