Henry is a 55-year-old married man. He has eight children with ages ranging from 11 to 25 years old. He describes himself to be a humble man. He operates a farm where he sells maize, beans, pawpaw and mangoes. He has been involved in this business for 30 years and employs two staff members. His business is located along a busy road and his primary customers are the general public. He describes his biggest business challenge to be unconducive weather changes. He will use the KES 20,000 loan to buy a sprinkler and fertilizer. His business goal is to expand his farming and become a supplier of maize, bananas etc within 5 years. He hopes that in the future, he will be financially stable.