Paul is a Kenyan man aged 26 years old. He operates a barber shop in an area known as Maasai Lodge in the region of Ongata Rongai. The area is densely populated and his customers are mostly the local residents in the area. He has been running this business for five years and has hired two employees. He says the business is profitable and the major challenge he has are high costs of operation, especially electricity bills. He will use his loan of KES 50,000 to buy electric shavers. Besides the barber shop, Paul also farms. In the future, he wishes to have a modern barber shop that is fully stocked with proper equipment. He is described as very hardworking and honest.