Mathews is a 47-year-old, married man. He has five children with ages ranging from 12 to 25 years. He describes himself to be a humble and friendly man. He operates a driving school where he provides driving training and coaching services. He has been involved in this business for eight years and employs two staff members. His business is located within an urban area and his primary customers are local residents from the environs and motor vehicle owners. He describes his biggest business challenge to be insufficient training equipment for the students. He will use the loan of Kes 20,000 to buy spare car parts. His five year business goal is to buy more cars for training his students. He hopes that, in the future, he will run another driving school.