David is a 31-year-old married man. He has 2 children with ages 2 and 5 years. He describes himself to be a go-getter man and hard-working. He operates a grocery store where he sells vegetables and fruits. He has been involved in this business for 1 year. His business is located at a residential area and his primary customers are local residents. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the KES 20,000 loan to add stock of vegetables and fruits to sell. His business goal is to own a large grocery store within 5 years. This is his first loan with SMEP DTM.