Bidii is a resident of Malindi, Kenya. He is a single businessman and runs a curio shop selling handmade embroidery. The business has been in operation for five years. He was introduced to Milango by his friends and joined to access credit for business expansion. Bidii is asking for a loan of 21,100 KES (Kenya shillings) to buy shoe soles, leather and beads to make shoes and embroidered artifacts. He believes the income generated as a result of receiving this loan will help improve his lifestyle and enable him plan for the future.