Bernard is 22 years old and single with no children. He works very hard to take care of himself and improve his business. He is a barber cum student: he completed the last two years of senior high but could not continue. While he was in school, he was barbering to make money to pay his school fees and other expenses. He takes his time to barber his customers well, so many like to come to his shop for their haircuts. Currently he is attending remedial classes to better his grades so he can continue his education to the university level. He is requesting a loan to buy barbering equipment such as a barbering machine, sterilizer, shaver, pomades and hair spray, etc. It is his dream to improve himself through higher learning.