Moustapha H. is 40 years old. He has 1 child and lives with his cohabitants in Adjame, a suburb in the north of Abidjan. H. owns a toy store in the Adjamé market. He has worked hard to reach his current position and is dynamic and ambitious. He manages his store very well and has diversified his range of products for sale. He has also developed a second hand toys market for his poorer clients. He joined the AE&I microcredit program in 2005 and has been an excellent performer since then. H. will use the loan to replenish his store for the upcoming Christmas celebration.