Silas Ambei, 30 years old, owns the Tumaini Traders. He sells sugar, cooking oil, rice, tealeaves, sodas, brakes fluid, baking flour and bicycle spares to the local customers and motorbike operators in the area. He has been in this business for the past three years. In addition, Silas also raises poultry. His business challenges are strong competition and fluctuation in the price of goods. He is using the proceeds of KES 80,000 to increase his stock of household goods. In future, he wants to be the best stocked wholesaler in his area. Silas is married to a nurse and he describes himself as a pastor and a serious man to his creditors.