Hamis Said S. is a Tanzanian entrepreneur and a married man. He runs a retail shop from which he sells various items including electronic items, bags and school bags, and other business goods at Yombo Vituka ward in Dar es Salaam. He purchases the business goods from the wholesalers and retail shops at Kariakoo city shopping center and sells retail to customers at Vituka. He has been in the business for six years. Business income is used to meet his family's daily demands and for capitalizing the business. He is requesting a loan of Tshs 1,400,000 to buy more business goods.