Lawrence is a 31-year-old, married man with a child. He describes himself as an honest father and is keen on providing an improved living standard for his family. He is applying for a loan of KES 100,000 that will be used to purchase a car for his taxi business. The anticipated profits made from the business will be used to purchase another taxi. Challenges he faces include inflation of gas price . This is his third successive loan through SMEP DTM.