Samuel is a 30-year-old married man. He has two children with ages ranging from 3 years to 8 years. He describes himself to be devoted and passionate. Samuel operates a shoe sales business where he sells shoes to the local people. He has been involved in this business for 3 years. His business is located in a growing shopping centre. He describes his biggest business challenge to be harrassment by the local administration. He will use the Kes 50,000 loan to increase his stock of shoes. His business goal is to grow his business into wholesale within 5 years. He hopes that in the future, he will own very big shoe sales shops in Thika.