Kipngeno is a 39-year-old married man. He has four children aged between nine and fifteen. He describes himself as ambitious, determined, and focused. He operates a retail store where he sells fuel. He has been involved in this business for ten years. His business is located in Mauche shopping center in Nakuru town. He describes his biggest business challenge to be inadequate capital to buy fuel. Kipngeno will use his loan of 20,000 KES to buy fuel. His business goal is to run a petrol station at Mauche shopping center within five years.