Silas O. is 33 years old, married to a tailor and has two children: ages 2 and 3 years old. They hope to give their children a good education to the university level. His business is located in a busy market in Kakamega. Kakamega is the region in Kenya known for the production of sugar cane. He has been selling sugar, soft drinks, cooking fat and salt for four years now and has one employee. Silas says that this business is profitable and his major challenge is financial constraints. However, he works very hard to keep his business doing well. He is using this loan of 40,000 Kenyan shillings to restock. He hopes to purchase a plot of land and build his own house in the future. He describes himself as very hardworking and determined.