John is a married man. He has two children. He describes himself to be honest. He operates a carpentry business where he makes coffins. He has been involved in this business for five years. His business is located in a busy and convenient location. He describes his biggest business challenge to be a lack of funds. He will use the Kes 30,000 loan to buy more stock of carpentry materials. His business goal is to expand within five years. This is his second loan with SMEP Microfinance bank. His previous loan was repaid successfully.