Maurice is a married man. He has five children with ages ranging from three years to eight years old. He describes himself as determined and ambitious. He operates a retail service shop where he provides motor vehicle repair. He has been involved in this business for 10 years and employs two staff members. His business is located within a busy and conducive business environment and his primary customers are drivers and motor vehicle owners. He describes his biggest business challenge to be the high price of spare parts. He will use the loan of KES 20,000 to purchase spare parts. His business goal is to own a car that will provide transportation services to customers in his town.