Stephen is a 35-year-old, married man. He has 2 children. He describes himself to be a determined man. Stephen operates a bicycle where he provides transportation services. He has been involved in this business for 6 years. His business is located in a potential business environment and his primary customers are local residents. He describes his biggest business challenge to be a poor road network . He will use the 10,000 KES loan to buy another bicycle. His business goal is to buy a motorcycle within 5 years. He hopes that in the future, he will improve his business. This is his first loan with SMEP DTM.