Francis is a 50-year-old, married man. He has four children, whose ages range from 17 to 24 years. He describes himself as a polite and focused man.
He operates a construction business. He has been involved in this business for 24 years. His business is located at a potential business area that is developing, and his customers are primarily local residents. He says his biggest business challenge is delays of payment by his customers, for work he has done.
Francis will use the KES 50,000 loan to buy iron sheets. This is his second loan with SMEP DTM. He managed to repay his previous loan of KES 20,000.