Ngangala is married and the father of four children who range in age from two to 14 years old. He describes himself as social and someone who enjoys sharing ideas. For the last three years, he has earned a living by operating a retail stall where he sells clothes such as t-shirts, sock and belts. He has one employee, and his stall is located in a busy part of town. Most of his customers are people who come into town frequently. Ngangala supplements his income by farming, and says that his biggest business challenge is a shortage of funds he can use to improve his business.
He is requesting a loan for KES. 20,000 to buy trousers to add to his inventory. In the past, he received a loan of KES. 10,000 which he repaid fully and on time. His goal for the future is to be a wholesaler of clothes in a nearby town. He also hopes to earn enough money to educate his children.