Hezekiah is a married man. He has 4 children with ages ranging from 2 years to 7 years. He describes himself to be an industrious and energetic man. He operates a bicycle where he provides transportation services. He has been involved in this business for 3 years. His business is located in a busy place where residents travel a lot and his primary customers are business people. He describes his biggest business challenge to be few customers who ask for the transport because his bicycle is seen as old(outdated). He will use the KES 20,000 loan to buy bicycle spare parts. His business goal is to improve his business within 5 years. He hopes that in the future, he will use the profits made to improve the living standards of his family.