Francis is a 26-year-old single man. He has one child. He describes himself as diligent. He operates a clothing sales business where he sells clothes to the local people. He has been involved in this business for three years. His business is located in a shopping centre. He describes his biggest business challenge to be insufficient funds. He will use the KES 70,000 loan to increase his stock of clothes. His business goal is to grow it into wholesale within five years. He hopes that in the future, he will grow the business and open other stalls in other areas.