Richard is a Kiva borrower. He has two children. He describes himself as being focused.
He operates a hotel where he sells porridge, tea, and other items. His business is located in an area with plenty of customers and his primary customers are locals.
Richard will use the KES 20,000 loan to buy more flour, sugar, cooking oil, and other ingredients. His business goal is to run a motel within five years. He hopes that in the future, he will have a chain of hotels. He also does farming to supplement his income.