Ngala is a 44 year old married man. He has seven children with ages ranging from 4 to 27 years. He describes himself to be an honest man. He operates a retail business where he sells firewood. Ngala has been involved in this business for eight years. His business is located at a secure business environment and his primary customers are local residents. He describes his biggest business challenge to be the high price of firewood.
Ngala will use the KES 80,000 loan to buy more firewood for selling. His business goal is to run a bigger retail store within five years. This is his first loan with SMEP DTM.