Antony is a 39-year-old married man. He has three children with ages ranging from 8 years to 13 years old. He describes himself to be a faithful man. He operates a retail store where he sells household items. His business is located at a busy and potential business area and his primary customers are local residents. He describes his biggest business challenge to be the language barrier with customers who buy from him. He will use the KES 20,000 loan to buy household items to sell. His business goal is to expand his business within five years.