Joshua is a married man. He has two children aged two and four. He describes himself as optimistic. He operates a retail shop where he sells household staples such as bread, milk, sugar, salt, flour etc. He has been involved in this business for five years. His business is in a good location for his activity and his primary customers are local residents. He describes his biggest business challenge as the high prices of household goods and transportation costs. He will use the KES 20,000 loan to purchase more stocks of household staples. His business goal is to venture into the transportation industry.