Samuel is a 48-year-old married man. He has three children with ages ranging from 15 years to 22 years. He describes himself to be creative. He operates a retail store where he sells furniture such as wall units, coffee tables, beds, cupboards, etc. He has been involved in this business for 15 years.
Samuel's business is located at a potentially busy business area and his primary customers are schools and local residents. He describes his biggest business challenge to be insufficient funds for buying wood for making more furniture. This is his first loan. He plans to use the Kes 20,000 loan to buy wood for making more furniture to sell to customers. Samuel's goal is to start a new business of selling electronics such as radios, television, phones etc to customers. He hopes that in the future, he will improve his business and family's living standard.