Morris is 31 years old and lives in West Point, Liberia. He is married and has a 5-year-old child that lives at home and attends school. Morris is a high school graduate and has been running a grocery shop where he sells lappa (traditional clothing) for the past six years. He has many customers and his daily sales are satisfactory, especially during the Christmas season. He is requesting a loan to purchase more lappa. He plans to expand his business and to build a store in the near future.