Mr. James D. is a serious and business-minded young man seeking a loan of $800.00 from Kiva to help him expand his operations. The demand for the goods he sells (soaps, biscuits, tins of milk, fish etc.) in his locality is very high and he wants to take advantage of this opportunity and make the most out of it. He is very hardworking and can pay back the loan. Thanks to KSF, he can now manage loans effectively and knows how to keep simple records.