James is a 36-year-old married man. He has a son who is three years old. He describes himself to be self-reliant. He operates a motor vehicle to provide transportation services. He has been involved in this business for 10 years and employs two people. His business is located in a busy town and his primary customers are from the general public. His biggest business challenge is stiff competition within the area. He will use the Kes 20,000 loan to buy motor vehicle spare parts. His business goal is to be a well-established transport provider within five years.