John is a married man. He has five children with ages ranging from 6 years to 18 years. He describes himself to be a business-oriented man. He operates a retail business where he sells clothes, shoes, belts, etc. He has been involved in this business for six years. His business is located in a very busy area, and his primary customers are local residents. He describes his biggest business challenge to be shortage of stock to resell.
He will use the 60,000 Kes (Kenyan shillings) loan to buy clothes, belts and shoes. His business goal is to run a wholesale business within five years. He hopes that, in the future, he will expand his retail shop business.