Moris is a married Kiva borrower. He has 2 children, aged 3 and 4. He describes himself as optimistic. He operates a retail shop where he sells spare parts and home products. He has been involved in this business for 1 year. His shop is located in a conducive business environment. He describes his biggest business challenge as the high cost of the products he sells. He will use the KES 20,000 loan to buy more stock for his retail store. His business goal is to venture into transportation services within 5 years.