Joshua M. M. is 28 years old and married. His wife runs their general store and they have 3 children, aged between 1 and 10 years old. Joshua owns a general store and a motorcycle transport business. He has been in these businesses for 3 years now. His business is located at a fast growing business center called Kinanie, but he is served by the Kitengela Branch. He says that these businesses are profitable, but the major challenge he has is financial constraints. Joshua works very hard from early morning to late evening to keep his businesses doing well. He is using his loan of 60,000 KES to increase stock in the general store to grow his business and meet the demands of his customers. He hopes to open another general store in the future. He also sees himself becoming a landlord some day. He describes himself as innovative.