Francis lives in the Mombasa area of Coast Province, Kenya. He is a married father of four and runs an entertainment business, basically dealing in hiring of music instruments and musicians. Francis learnt about Milango through advertisements and he joined with the aim of accessing credit to improve his business operations. His main challenge is lack of finance, a problem he sees partly sorted by this loan. Francis is applying for a loan of 83,450 Kenya shillings to purchase chairs. He believes that the business has grown enough to meet the required repayments for the loan and family needs.