Samuel is a married man. He has a daughter who is one year old. He describes himself as ambitious and hardworking. He operates a retail store where he sells items such as sugar, bread, juice, flour, tea leaves etc. He has been involved in this business for two years. His business is located in a viable and conducive business environment and his primary customers are local residents. He describes his biggest business challenge as the high prices of household staples. He will use the KES 15,000 loan to purchase household goods. Samuel's dream and business goal is to diversify his business into a wholesale business.