George is a 41-year-old married man. He has five children with ages ranging from 4 years to 12 years. He operates a retail shop where he sells sugar, flour, salt, cooking oil and other items. His business is located in a competitive area and his primary customers are locals. He will use the Kes 20,000 loan to add to his stock of sugar, flour, salt, cooking oil and other items. He also does farming to supplement his income. His business goal is to own a wholesale store within five years.