Idi B. M. is 42 years old, married and has five children between the ages of two and 22. His business is located at Changamwe estate in Mombasa,Kenya, which is the coastal region of Kenya and well known for its many tourist attractions as well as the Indian Ocean's white beaches. He owns a hardware store in which he sells such items as lubricants and paints to the local residents. He has been in this business for the last three years. He says that this business is profitable and the major challenge he faces is financial constraints. He works very hard to keep his business doing well. He is requesting a loan of 80,000 KES to buy more paints and lubricants to expand his business. He hopes to own a big yard where he will locate a bigger business. He describes himself as a very determined and focused man.