Sammy is a 44-year-old married man. He has four children with ages ranging from 12 to 18 years old. He describes himself to be hard working. He operates a retail stall where he sells plastic items and clothes. He has been involved in this business for 12 years. His business is located in a potential area and his primary customers are local residents. He describes his biggest business challenge to be the shortage of plastic items and clothes to sell . He will use the KES 20,000 loan to buy plastic items and clothes. His business goal is to expand his business within five years.