Harmon is a 28-year-old married man. He has two children with ages ranging from four months to two years. He describes himself to be a polite man. He operates a van to provide transportation services. He has been involved in this business for three years. His business is located within a busy area, and his primary customers are residents from a peri-urban area. He describes his biggest business challenge to be having inadequate funds to improve his business. He will use the Kes 100,000 loan to pay for the renovation of his van. His business goal is to own two more vans within five years. This is his second loan with SMEP DTM after successfully repaying a previous loan of Kes 50,000.