Edward is a married father of two children, ages 8 and 10. He describes himself as disciplined. He operates a business where he transports customers using his motorcycle. He has been involved in this business for three years. He describes his biggest business challenge to be lack of funds. He will use the KES 20,000 loan to buy a second-hand motorcycle. His business goal is to be prosperous within five years. He hopes that in the future, he will be successful. This is his first loan with SMEP Microfinance Bank.