John is a 63-year-old married man. He has 5 children with ages ranging from 18 to 26 years old. He describes himself to be hard working man. He operates a farm stand where he sells Napier grass, cabbages, bananas, kale, etc. He has been involved in this business for 20 years. His business is located in a productive business area and his primary customers are local residents. He describes his biggest business challenge to be lack of enough finances to boost his business. He will use the KES 20,000 loan to buy a cow. His business goal is to improve his business with a goal of an operating income of KES 100,000 within 5 years. This is his second loan with SMEP DTM after repaying a loan of KES 10,000.