Sammy is married with a very young family of three. His family has relied on his tailoring business for the last three years. Having trained as a tailor, his uncle bought him a sewing machine. Sammy then opened a stall in Mumias grocery market where he makes all types of clothes. He has also partnered with neighboring institutions where he has been given an order to make uniforms. The business has been growing as a result of increased demand for school uniforms and he now wants to borrow KES 20,000 in order to purchase more materials.