Benard is a 34-year-old married man. He has five children with ages ranging from nine months to 11 years old. He describes himself as a jovial man. He operates a bicycle with which he provides transportation services. He has been involved in this business for five years. His business is located in a profitable business area and his primary customers are local residents from the environs. He describes his biggest business challenge to be poor impassible roads especially when it rains.
He will use the KES 20,000 loan to buy a new bicycle to improve his mode of transportation for customers. His business goal is to expand his business into taxi transportation services within five years. He hopes that in the future, he will improve the living standards of his family.