James O. O. is married to a shopkeeper and they have five children aged between twelve years and five months old. James and his wife hope to give their children good education through the university level. His business is located at a market place in Kitengela. He has been selling items such as cookers, pans, metal boxes and others. He sells to the local people in wholesale. He has been in this business for four years now and has three employees. He says that this business is profitable and the major challenge he faces is that there are other people in the area in the same business as him so customers are spoilt for choice. However he works very hard to keep his business doing well. He is using his loan of Kes 45,000 to buy scrap metal to make more items to meet the demands of his customers. grow his business and become a market leader. He describes himself as wise and business minded.