Food shops are very common businesses in populated areas like Dar es Salaam and other cities in developing countries. Gamaly Joseph runs a food shop at the Yombo Vituka ward in Dar es Salaam. He sells varied food products to retail customers. He purchases the business items from wholesale shops and sometimes direct from the producers. The business income generated is used to meet his daily family demands and also for business capitalization. He needs a loan of TZS 800,000 to boost up the business.