Antony is married and has four children, ages 5 to 9 years. He describes himself to be an honest and warm man. He operates a rental housing business where he provides housing accommodations. He has been involved in this business for five years. His business is located at a busy market along a highway and his primary customers are local residents. He describes his biggest business challenge to be delay of payment from customers. He will use the KES 60,000 loan to pay for the renovation of the rental houses. His business goal is to operate three more rental houses within five years. In addition, Antony runs a retail business where he sells soft drinks.