Francis A. M. is twenty nine years old and married. His wife manages their restaurant and they have three children aged between seven years and two years old and to whom they hope to give good educations up to the university level.
His business is located at a small market in Kakamega known as Eshitinji. He owns a workshop in which he makes cupboards, couches, and coffee tables, which he sells to the local people. He also owns a restaurant in which he serves food to the same customers. The whole business is known as Third Trial Hotel and Workshop.
He has been doing this business for ten years now and has four employees. He says that this business is profitable and the major challenge he has is financial constraints and competition. However, he works very hard to keep his business doing well. He is using his loan of 50,000 Kenyan shillings to buy timber to use in the workshop to make goods that the customers have ordered. He hopes to grow his business and even diversify to real estate. He describes himself as a visionary man.