Robert C. N. is 23 years old, single, and has no children. His business is located at Gikomba in Nairobi. He sells electronics such as mobile phone chargers, iron boxes, radios and water heaters. Gikomba is an open-air market where there are many other people with small-scale businesses in the same kind of business, but Robert works very hard to have a competitive edge. He has been engaged in his business for three years and sees himself becoming the leading wholesaler of electronics in Nairobi. He is using his loan to increase his stock with a view to growing his business. He is very hardworking and handsome.