Dickson is a married man. He has a son who is 1 year old. He describes himself to be honest, trustworthy and a go-getter man. He operates a retail store where he sells phone accessories and provides M-pesa (money) transactions. He has been involved in this business for 6 years. His business is located at a strategic business area and his primary customers are students. He describes his biggest business challenge to be frequent power blackouts. He will use the Kes 100,000 loan to buy phone accessories and add float of M-pesa transactions . His business goal is to run many more similar retail stores within 5 years. He hopes that in the future, he will be financially stable with a well established wholesale shop .