Kaingu is a married businessman living in Malindi, Kenya. He is involved in the transport business. He has been employed as a driver where he learned that the business has good returns. Kaingu joined Milango after an invitation from friends to acquire credit to buy a motorcycle; it is the only mode of transport in rural areas where the road network is inaccessible.
Kaingu is applying for a loan of 80,000 Kenyan shillings to purchase a motorcycle. The main challenge for the business is high fuel costs. Kaingu has set his sights on buying a three-wheeler (commonly referred to as a "tuktuk" in Malindi) in the future. He will save the extra income for future investments.