Sylvester O. is 35 years old, single and does not have any children yet. His business is located in Mshomoroni, a residential area in Mombasa. He does carpentry and sells beds and sideboards. He has been in this business for the last two years and has two employees. He sells to local wholesalers and retailers. He says that this business is profitable and the major challenge he faces is customers not paying their debts on time as per their agreement. However, he works very hard to keep his business going well. He is using his loan of KES 80,000 to buy timber, backboard and nails to meet his customers' needs. He hopes to be a wholesaler in the future. He is very hardworking, honest, determined and self-motivated.