Ardan is a 39-year-old married man. He has a daughter who is three years old. He describes himself as innovative, creative, persistent, and independent. He operates a mobile phone store and cyber café where he sells mobile phones, phone accessories and provides internet, typing and printing services. He has been involved in this business for seven years and employs three staff members. His business is located in a commercial area. He describes his biggest business challenge to be the high cost of inputs and electricity. He will use the KES 80,000 loan to purchase more phone accessories and computers. His business goal is to have many chains all over town within five years. He hopes that in the future, he will be able to support his wife as she becomes educated so that she can be employed and earn a living for the family as well.