Francis is a married man. He has five children. He describes himself to be honest. He operates a chemists where he sells medicine. He has been involved in this business for 7seven years. His business is located in a convenient place and his primary customers are of all types. He describes his biggest business challenge to be lack of funds to buy more stock. He will use the Kes 30,000 loan to buy extra stocks of medicine. His business goal is to expand within five years. He hopes that in the future, he will be prosperous. This is his first loan with SMEP DTM.