Ruwa lives in Kongowea area of Coast province, Kenya. He is married and has four children. He owns a hawking business and sells livestock, a business he has been operating for six years now. He learned about Milango through a friend who invited him to the group and he joined with an aim of accessing credit to improve on his business operations. His main challenge is high transport and fuel prices from the farm to the market place. Ruwa is applying a loan of 21,100 Kenyan shillings to buy goats and cows to sell. His extra income will be added to his savings to pay school fees for his children. He aspires to expand and become a large scale dealer in the livestock selling business.