Cosmas Osogo M. runs a hotel in a busy market in a rural part of Kenya. He also sells food, snacks and beverages to the people in the market and to passersby. He has had this business for the last 5 years. In the past he has also been a carpenter. Cosmas Osogo also grows and sells vegetables. He is asking to borrow KES 30,000 to renovate his hotel to meet health requirements, otherwise the business may be closed by the local authorities. His major business challenge is the rising cost of supplies and competition from other businesses. Cosmas Osogo is married and his wife helps in the farming. Together they have four children. His dream is to educate his children and ensure they have a bright future. He also expects to have a big hotel in the area in 5 years time. Cosmas Osogo describes himself as polite and hardworking.