James N. M. is thirty one years old, married and has two children, ages five years old and four months.
He sells clothes, shoes and handbags to local people. His eight year old business is profitable. But James' major challenge is that there are so many people running the same kind of business: competition. However, he works very hard to keep his business doing well. He will use his loan of Kes 50,000 to buy more skirt suits and men's suits to sell. He hopes to open two boutiques in the future. He describes himself as very hardworking, polite and hardworking.