Deogratius L. is an entrepreneurial married businessman. He runs a hardware shop in Yombo Vituka Dar es Salaam. He purchases the business materials from the wholesale and retail shops at Kariakoo city shopping center. He managed to build a residential house at Yombo Kilakala where he lives with his family. He also meets his family's daily demands. He has been borrowing from YOSEFO MFI since 1998 when it started. He is requesting a loan of Tshs 1,600,000 to capitalize the business by buying more business goods.