Gilbert is a married man. He has four children. He describes himself to be God-fearing , loving and a caring man. He operates a retail store where he sells home-use products items such as sugar, tea leaves, maize flour, cooking fat, milk, rice, etc . He has been involved in this business for 20 years. His business is located at a busy urban area and his primary customers are local consumers from the environs.
Gilbert describes his biggest business challenge to be inadequate stock of home-use products to meet the customers' high demand . He will use the Kes 60,000 loan to buy more home-use products to sell. His business goal is to run another retail shop within 5 years. He hopes that in the future, he will improve the living standard of his family. This is his fourth loan with SMEP DTM. He managed to repay loans in the amount of Kes 20,000, 30,000 and 40,000 successfully.