Adam is an old client in his third loan cycle. He runs a retail shop on the outskirts of Kyotera town. He has a permanent home in the same area. Adam is a married man with two children.
The purpose of this loan is to buy more stock, most preferably sugar, which has high demand and high interest margin. Adam is an honest man and that is why he has captured the market in the whole area. He is always helped by his wife, who is equally experienced in this, as he ventures into other income-generating projects like buying and selling cows and monitoring his boys, who ride his motorcycles for public hire and transport.
Adam says his biggest problem is customers who want to buy on credit all the time and refuse to pay back in the end. However, with experience, he has managed to handle them now and hopes that this loan will automatically expand his business.