Stephen M. N. is 32 years old and married with five children between 15 and one years old. His business is located at Bamburi Estate in Mombasa, Kenya. Mombasa is in the coastal region of Kenya and is well known for its many, many tourist attraction sites, including the Indian Ocean white beaches. He has been selling second hand clothes for the last five years to the local people and has one employee. He says that this business is profitable and the major challenge he has is financial constraints. However, he works very hard to keep his business doing well. He is using his loan of Kes 80,000 to buy more clothes to meet the high demand, especially during the Christmas season. He hopes to open up new outlets in the future and even become a wholesaler. He describes himself as trustworthy, honest and understanding.