John is a 31-year-old married man. He has one child. He describes himself to be honest and an intelligent man. He operates a retail store where he sells items such as flour, cooking oil, sugar, margarine, Colgate's toothpaste, etc. His business is located at a densely populated area and his primary customers are local residents. He describes his biggest business challenge to be insufficient funds for improving the business.
John will use the Kes 70,000 loan to buy daily-use items to sell. His business goal is to be a wholesaler within five years. This is his fourth loan with SMEP DTM after taking out previous loans of Kes 20,000, 50,000 and 150,000 which he managed to repay successfully.