Urunzi is a 39-year-old, married man. He has 5 children with ages ranging from 5 years to 16 years. He describes himself to be a God-fearing and business-oriented man. Urunzi operates a motorcycle where he provides transportation services. He has been involved in this business for 1 year. His business is located in a residential area and his primary customers are local residents. He describes his biggest business challenge to be stiff competition within the area. He will use the 20,000 KES loan to buy motorcycle spare parts. His business goal is to buy a taxi within 5 years. In addition, Urunzi runs a grocery store.