Fred lives in the Kongowea area of Coast province, Kenya. He is a father of three school-going children. He owns a second-hand clothes shop, a business he has been operating for twelve years. Besides this, Fred owns a motorcycle and is active in the transport industry. He learned about Milango through a friend who invited him, and he joined with an aim of accessing credit to improve his business operations. The challenge he is facing is inflation. Fred is applying for a loan of 52,300 Kenyan shillings to expand his business by buying some more clothes to sell. The extra income from the loan will be added to his savings to pay school fees for his children. His plan for the future is to sell in wholesale.