James is a Kiva borrower. He has three children with ages ranging from one to two years old. He operates a tailoring business where he sews clothes. He has been involved in this business for three years. His business is located in an area with potential, and his primary customers are locals. He will use the KES 20,000 loan to to open a new tailoring shop. His business goal is to expand within five years. He will use the profits to buy a bigger sewing machine.