Moses is a 36-year-old married man. He has four children with ages ranging from 6 months to 10 years. He describes himself to be an honest man. He operates a tailoring retail store where he sells clothes such as dresses, trousers, skirts, shirts, etc. He has been involved in this business for 10 years and employs one staff member. His business is located in a densely populated area and his primary customers are local residents. He describes his biggest business challenge to be insufficient funds for expanding the business. He will use the KES 20,000 loan to purchase more cloth and materials. Moses's business goal is to own a boutique within five years.