Francis is a 35-year-old married man. He has 4 children with ages ranging from 5 to 11 years. He describes himself to be a trustworthy, industrious and goal-oriented man. Francis operates a retail store where he sells kerosene and empty bottles. He has been involved in this business for 8 years. His business is located in a fast growing area and his primary customers are regular local residents. Francis describes his biggest business challenge to be insecurity within the area. He will use the Kes 5,800 loan to purchase a solar lantern. His business goal is to expand his business and buy a kerosene pump within 5 years. Francis hopes that in the future, he will have purchased the kerosene pump and bought land with the profits he will have made. Francis had taken a previous loan of Kes 60,000 which he managed to pay back. Besides selling kerosene, he sells maize which increases his income.