Mulei is a 44-year-old married man. He has two children, ages 7 and 12. He describes himself to be an honest man. He provides transportation services by operating a motorcycle. He has been involved in this business for five years. His business is located within a town, and his primary customers are business people and residents from the area. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the 20,000 KES loan to buy vegetables and fruits to sell. His business goal is to expand his business within five years.