Onyango is a 47-year-old married man. He has four children with ages ranging from 7 years to 16 years. He describes himself to be humble and diligent. He operates a tailoring shop where he sells the clothes that he makes. He has been involved in this business for four years. His business is located within a busy estate, and his primary customers are business people. He also works at one of the manufacturing companies. He describes his biggest business challenge to be stiff competition within the area. He will use the KES 35,000 loan to buy clothing materials. Onyango has taken out a previous loan of KES 15,000 which he managed to repay in full. His business goal is to venture into running a shopping mall within five years.