Richard O. is twenty eight years old and married to a business lady. They have three children, aged between five years and seven months, and they hope to give them good education to the university level. His business is located in the very busy market known of Ngara in Nairobi. He has been selling clothes to the local people for three years and has one employee. He says his business is profitable except that there are so many people in the area with the same kind of business so customers are not loyal as they are spoilt for choice. However he works very hard from early morning to late evening to keep his business doing well. He is using his loan of Kes 50,000 to buy more shirts and ties to meet the demands of his customers. He hopes to grow his business and open another stall. He also hopes in the future to buy a plot of land and build rental houses. He describes himself as hard-working, disciplined and determined.