Raphael is a 29-year-old married man. He describes himself as an industrious man. He operates a motorcycle where he provides transportation services. He has been involved in this business for 15 years. His business is located at a residential area and his primary customers are local residents.
Raphael describes his biggest business challenge to be frequent traffic jams. He will use the Kes 20,000 loan to buy vegetables and fruit to start up a new grocery store. His business goal is to buy another motorcycle which will expand his business and create job opportunities within five years. In addition, Raphael runs a retail shop where he is helped by his wife.