Paul (on the picture shaving hair of a customer) is a 29 year old married man. He has 2 children aged 2 and 5. He describes himself as hard-working. He operates a barber shop where he provides haircutting services. He has been involved in this business for 3 years. His business is located in a busy and viable area and his primary customers are local residents. He describes his biggest business challenge to be stiff competition within the area. Paul will use his KES 10,000 loan to buy barber shop tools. His business goal is to boost his business within 5 years. He hopes that in the future he will buy land for his family.