Antony is a 25-year-old single man. He describes himself as honest and disciplined. He operates a retail store where he sells papers. He has been involved in this business for 3 years. His business is located at a strategic place. He describes his biggest business challenge as lack of a permanent place to operate from. He will use the Kes 20,000 loan to buy more papers to sell. Antony's business goal is to run and own a retail store, in a permanent place, within 5 years.