Evans is a 30-year-old married man. He has a daughter who is one years old. He describes himself to be aggressive. He operates a retail store where he sells maize flour, millet, and sorghum. He has been involved in this business for five years. His business is located at a strategic place. He describes his biggest business challenge to be insufficient funds to buy more maize. He will use the Kes 20,000 loan to buy more maize for grinding. His business goal is to venture into a new business of a cereal shop near the retail store within five years.