John is a married man, who has two children. He describes himself as a humble man. He operates a retail business, selling bread. He has been involved in this business for 10 years. His business is located in a business area with potential, and his customers are primarily local residents. He says his biggest business challenge is stiff competition in the area. He will use the KES 25,000 loan to buy bread to sell. He aspires to be a great businessman.