Paul is a 43-year-old married man. He has 4 children with ages ranging from 3 years to 19 years. He describes himself to be an honest and God-fearing man. He operates a retail business where he sells pigs. He has been involved in this business for 6 years. His business is located at a viable business area. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the Kes 20,000 loan to purchase pigs to sell. His business goal is to expand his business within 5 years.