James is a married man. He has 4 children with ages ranging from 13 years to 22 years. He describes himself to be a patient man. He operates a retail store where he provides services of repairing clothes and selling new clothes. He has been involved in this business for 15 years. His business is located in a viable and strategic area. He describes his biggest business challenge to be insufficient funds for improving the retail store. He will use the KES 15,000 loan to buy more clothing materials for sewing. James's business goal is to run a venture into a retail shop within 5 years.