James is a 37-year-old married man. He describes himself to be serious.
He operates a general shop where he sells sugar, cooking oil, wheat flour, and other items. He has been involved in this business for 7 years. His business is located in a market area and his primary customers are individual consumers. He describes his biggest business challenge to be inadequate capital. He will use the KES 100,000 loan to add stock of sugar, cooking oil, wheat flour and other household items.
His business goal is to open a mini supermarket within 5 years. He hopes that in the future he will create employment. This is his third loan with SMEP DTM. A previous loan of KES 50,000 was repaid successfully.