Michael is a 45-year-old married man. He has 4 children with ages ranging from 4 years to 25 years. He describes himself to be social and talkative.
Michael operates a retail business where he sells items such as filters, cups , mugs, handerchiefs, calendars, etc. He has been involved in this business for 10 years and employs 1 staff member. His business is located within a commercial area and his primary customers are the general public. In addition, Michael also sells charcoal to increase his income. He describes his biggest business challenge to be financial constraints hence he is unable to improve his business.
Michael will use the KES 20,000 loan to buy charcoal to resell. His dream and business goal is to be a distributor of charcoal.