Peter is a married man. He describes himself to be optimistic. He operates a retail business where he makes liquid soap to sell. He has been involved in this business for three years. His business is located in a vibrant location and his primary customers are of all types. He describes his biggest business challenge to be lack of capital. He will use the KES 20,000 loan to buy more raw materials for making liquid soap. His business goal is to own a mini factory within five years. This is his first loan with SMEP Microfinance Bank.