John is a 37-year-old married man with three children ranging from one to 13 years old. For the past 12 years, he has operated a dry cleaning business. John's business is located in a semi-urban area and his primary customers are local residents. He describes himself as versatile and able to adapt to many life challenges. John's major business challenge is the delay of customer payment after they have received cleaned clothes.
John is requesting a 50,000 KES loan to buy a dry cleaner. This will be his fifth loan with SMEP DTM. John hopes to open another similar outlet in a nearby neighborhood within five years.