Benard is a resident of Kongowea, Kenya. He is single and owns a barber shop which has been in operation for five years; he began the business from the savings he had built up over a long period of time. Benard is applying for a loan of 41,900 Kenyan shillings to purchase shavers and other equipment. He was introduced to Milango by his friends. Although the high cost of purchasing this equipment is a challenge for his business, Benard believes that the addition of these new machines will help improve his sales. His ambition is to open a cereal shop in the future to increase his sources of income.