Vincent is a 40-year-old married man. He has four children between the ages of 4 and 12. He describes himself to be confident. He operates a retail business where he sells sugar, milk, bread, washing soap, and other items. He has been involved in this business for three years. His business is located in a conducive environment, and his primary customers are small-scale customers. He describes his biggest business challenge to be a lack of funds. He will use the 50,000 KES loan to add inventory of milk, bread, washing soap, and other items. His business goal is to be prosperous within five years. He hopes that in the future, he will be successful. This is his second loan with SMEP DTM. His previous loan of 20,000 KES was repaid successfully. He will use the anticipated profits to buy a piece of land.