Mbiti is a 24-year-old married man. He has a daughter who is three years old. He is a sociable and talkative man. He operates a retail store where he sells spare parts. He has been involved in this business for four years. His primary customers are motorcycle drivers. He describes his biggest business challenge to be insufficient funds. He will use the loan of Kes 20,000 to buy more spare parts. His business goal is to be a supplier of motorcycles within 5 years.