Kaingu lives in the Mariakani area of Coast Province, Kenya with his wife and three children. For the last four years, he has made a living by running a retail shop which he started with personal savings. He supplements his income by running a transportation business. His friends introduced him to Milango Financial Services as a way to secure credit and improve his business. His main challenges are price fluctuations, inflation and high prices for fuel and transportation. Kaingu is applying for a loan for 41,850 Kenya shillings to buy more items such as bread and flour to sell to his customers. The extra income he earns as a result of this loan will allow him to add to his savings and expand his business. His goal for the future is to expand the business by opening another retail shop.