Tobias is a 24-year-old young single man. He has no children yet. He describes himself to be an intelligent man. He operates a welding retail store where he sells metal doors, windows, beds, etc. He has been involved in this business for four years and employs two staff members. 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 metal. Tobias's business goal is to be a supplier of metal items within five years. He hopes that in the future he will expand his business.