Zachariah is a married businessman. He has 2 children ages 15 years and 20 years. He describes himself to be visionary and aggressive. He operates a retail store where he sells household items such as fridges, electronics, etc. He has been involved in this business for 6 years and employs 2 staff members. His business is located at a busy market and his primary customers are tenants. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the KES 100,000 loan to buy more electronics and fridges. Earlier on, Zachariah had taken a loan of KES 50,000 which he managed to repay. His business goal is to run another retail store within 5 years. He hopes that in the future, he will run a supermarket.