John, 35 years old, is married and has 3 children whose ages range from 4 to 12 years. He describes himself as visionary. John operates a food stall where he sells cereals. He has been involved in this business for 22 years and employs 2 staff members. His business is located within a busy market and his primary customers are local residents. John describes his biggest business challenge to be insufficient funds for improving his business. He will use this KES 12,900 loan to buy a solar lamp to be used by his family members. John's business goal is to run a wholesale business within 5 years. He hopes that, in the future, he will expand his business.