Hatibu A. L. is a married Tanzanian small-business man with two children. He runs a business selling music CDs to customers. He purchases the business goods from wholesale suppliers and sells to retail customers. He has been in the business for five years. The income from the business is used to meet his family's daily demands and for business capitalization. His business plan is to open a wholesale shop. He is requesting a loan of Tshs 800,000 to top up the business.