Stephen is 45 years old, married and has four children ranging from five to twelve years old. He describes himself as a focused and understanding man. He sells products such as sugar, soap, cooking fat, flour etc. to hotels, restaurants and residents. He is also employed, which adds to his income. His business challenge is insufficient funds. Stephen will use his loan of 20,000 KES to buy more flour and cooking oil. Stephen's dream and hope is to run a supermarket.