Ronald is a married man. He has 4 children with ages ranging from 2 years to 17 years. He describes himself as jovial and organized. He operates a retail business where he sells charcoal. He has been involved in this business for 1 year. His business is located near a busy tarmac road and in a strategic area. His primary customers are local residents. He describes his biggest business challenge to be insufficient funds. Ronald will use the Kes 20,000 loan to buy more charcoal for selling. Ronald's business goal is to purchase a vehicle to aid in delivery of charcoal to customers within 5 years.