Josephat is a 26-year-old married man. He describes himself as hardworking. He operates a retail store where he sells shoe soles and repairs worn-out shoes. He has been involved in this business for four years. His business is in a viable business area, and his primary customers are local residents. He describes his biggest business challenge as inadequate funds for improving the business. He will use the loan of KES 20,000 to buy shoe soles. His business goal is to be selling new shoes to customers within five years. He hopes that in the future, he will run a bigger retail store.