Edward is a 31-year-old married man. He has two children with ages ranging from 2 years to 8 years. He describes himself as an honest man. He operates a van to provide transportation services. He has been involved in this business for four years. His business is located within an urban area and his primary customers are local residents. He describes his biggest business challenge as insufficient funds for improving the business. He will use the loan of KES 20,000 to purchase spare parts for his van. His business goal is to own another van within five years. This is his third loan with SMEP DTM after managing to repay previous loans of KES 10,000 and 20,000 successfully.