Benard is a married man and describes himself as ambitious. He operates a retail business where he sells charcoal. Benard has been involved in this business for five years. His business is located within a busy area and his primary customers are local residents. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the 20,000 KES loan to buy charcoal to sell. His business goal is to expand his business within the next five years.