James is a 30-year-old married man. He has 2 children aged 2 years and 7 years. He describes himself as honest and warm. James operates a retail business where he sells shoes. He has been involved in this business for 10 years. His business is located in a viable commercial environment, and his primary customers are local residents. He describes his biggest challenge as stiff competition within the area. He will use the requested KES 20,000 loan to buy more shoes for resale. His goal is to improve his business within 5 years. He hopes that, in the future, he will expand his business by restocking his inventory.