Michael is a married man. He has three children with ages ranging from 10 years and 18 years. He describes himself as focused. He operates a welding and repair shop. He has been involved in this business for 20 years and employs one staff member. His business is located in a busy local market and his primary customers are motorbike operators from within the area. He describes his biggest business challenges as expensive spare parts and fluctuating electricity prices. He will use the KES 50,000 loan to add spare parts to the shop. His business goal is to own a fleet of motorcycles in the area within five years. He hopes that in the future, he will be able to educate his children.