Paul is a 28-year-old married man. He has two children. He describes himself to be hard working. He operates a retail business where he sells plastic items. He has been involved in this business for three years. His business is located in an industrial business environment and his primary customers are local residents. He describes his biggest business challenge to be stiff competition within the business area. He will use the KES 20,000 loan to buy plastic items. His business goal is to expand his business within five years. He hopes that in the future, he can buy a car for his family.