Stephen is a married man who has one child. He describes himself to be optimistic. He operates a welding business where he makes gates, chairs and other welding services. 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 50,000 loan to buy steel and other welding materials. His business goal is to own a welding machine within five years. He hopes that in the future, he will buy a piece of land. This is his second loan with SMEP Microfinance bank. His previous loan was repaid successfully.