Samwel O. is 53 years old. He is married and has six children. His wife is a business woman and they hope to educate their children to university level.
His business is located at the busy Jubilee market in Kisumu. He sells oranges, mangoes, apples and other fruit to the local people. He has been operating this business for the past ten years. His major challenge is that he sells highly perishable goods which he has to move quickly. There are also many other people running the same kind of business and he, therefore, has only a small number of loyal customers.
He is using his loan to restock his business. In future he wants to have his own orchard. This would allow him to increase his supply of fruit into Kisumu city and also extend his supply into Nairobi city. He also hopes to buy a pick-up truck to transport his fruit. He is very hardworking and patient.