Fredrick is a 29 year old married man. He has 2 children. He describes himself as honest. He operates a transport business where he transports customers using a motorcycle. He has been involved in this business for 5 years. His primary customers are regular. He describes his biggest business challenge to be the poor road network. He will use the Kes 30,000 loan to buy a motorcycle. His business goal is to be the best within 5 years. He hopes that in the future, he will raise the living standards of his family. This is his third loan with SMEP Micro finance Bank. He will use the anticipated profits to buy a dairy cow for his family.