Joab is a 27 year old married man. He describes himself as hardworking, faithful and obedient. He operates a beauty salon where he provides hair services. He has been involved in this business for 3 years and employs 3 staff members. His business is located at a busy shopping market and his primary customers are businesspeople and local residents. He describes his biggest business challenge to be stiff competition within the area. He will use the KES 20,000 loan to buy beauty products. His business goal is to improve his business within 5 years. He hopes that in the future, he will run a bigger beauty salon. This is his second loan. He managed to pay the earlier loan of KES 20,000.