Stephen is a 52-year-old married man with 3 children. He describes himself as ambitious. He operates a construction materials business where he sells building stones. He has been involved in this business for 20 years. His business is located in an area with potential, and his primary customers are local residents and construction firms. Stephen describes his biggest business challenge as inadequate finances. He will use the KES 25,000 loan to buy more building stones to sell. He hopes that, in the future, he will excel in his business. He will use the anticipated profits to repay the loan.