Patrick Njai is a 32-year-old single man. He describes himself as honest and determined. He operates a motorbike, transporting passengers. He has been involved in this business for 2 years. His business is located in a shopping centre in Nakuru. His primary customers are frequent and [he has] new customers. He describes his biggest business challenge as the motorbike breaking down. He will use this 40,000 Kenyan shilling loan to buy more spare parts to maintain and service the motorbikes. His business goal is to buy a car which he will be using as a taxi within 5 years.