Nicholas O. W. is 28-years-old and married. His wife stays at home all day long taking care of their two children, aged five and two years old. Nicolas' business, located at an open air market called Kongowea in Mombasa, is well-known by the name Hasla Finess, selling trousers, shirts, dresses and jeans. His customers are both repeat customers and walk-ins. Nicholas says that this business is profitable and the only major challenge he faces is stiff competition from other vendors. He also says that the economy is bad, thereby reducing the volume of his sales. However, he works very hard from early morning to late evening to keep his business healthy.
Nicolas plans to use his loan of Kes 50,000 to buy more dresses, blouses, skirts and jeans in order to increase stock. He hopes to open more stalls to earn more income in the future. He describes himself as honest, trustworthy, and committed to his business.