Agapitus is a 33-year-old married man. He has two children with ages ranging from 1 year to 5 years old. He describes himself to be visionary. He operates a retail shop where he sells general items like sugar, flour, cooking oil, detergents, beverages etc. He has been involved in this business for five years and employs one staff member. His business is located in a shopping center. He describes his biggest business challenges to be inflation and poor transport network. He will use the KES 50,000 loan to buy more stock of general items. His business goal is to grow into wholesale within five years. He hopes that in the future, he will purchase a van to facilitate the running of the business.