Noor lives in the Mariakani area of Kenya's Coast Province. He is married and has five children. He owns a retail shop, a business which has been in operation for five years. In this business, he sells retail items, such as rice, sugar, flour, cooking oil, etc. He learnt about Milango through friends who invited him to the group and he joined with the aim of accessing credit to improve his business. His main challenge is the high cost of products. Noor is applying for a loan of KES41,850 to buy retail stock, such as sugar, flour, etc. The extra income from the loan will be added to his savings to improve his family's living standard.