Seronei is 32 years old and single. He describes himself as honest and jovial. He has been running a bakery retail shop for the last one year. The business is faced with the problems of inadequate funding to add a stock of bread and the difficulty of access to his area of operation when it rains as the place floods. He will use the loan of Kes 20,000 to buy bread. In the future, Seronei wants to own a permanent area of operation and have many customers.