Stephen lives in the Kongowea area of Coast Province, Kenya. He is married and the father of one child, and he owns a retail shop that deals in a variety of items, from clothes to household utensils. The shop has been running for nine years, in addition to a transport business. Stephen learned about Milango through a friend, and he joined with the aim of accessing credit to improve his business operations. His main challenge is lack of financing, a problem he sees being partly solved by this loan. Stephen is applying for a loan of 83,500 KES (Kenya shillings) to purchase additional stock, including clothes, shoes, basins and utensils. He believes that the business has improved enough for him to meet the required repayments for the loan.