Dan is a married man. He has two children aged three and eight years-old. He describes himself as an ambitious man. He operates a retail store where he sells video tapes, compact discs, etc . His business is located at a very competitive business 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 Kes 20,000 loan to buy video tapes and compact discs to sell . His business goal is to expand his business within five years.