Kalume is a 28-year-old married man. He has a daughter who is 2 years old. He describes himself to be a go-getter and honest man. He operates a garage where he provides motor vehicle repair. He has been involved in this business for 2 years and employs 1 staff member. His business is located within a residential area and his primary customers are residents. He describes his biggest business challenge to be inadequate funds for improving the business. He will use the KES 90,000 loan to buy spare parts. Kalume had previously taken four loans which he managed to repay successfully. He aspires to run a bigger garage within 5 years.