Martin is a 36-year-old married man. He has three children with ages ranging from 2 to 15 years old. He describes himself to be dedicated. He operates a cereals store where he sells maize and beans. He has been involved in this business for seven years. His business is located in a busy area and his primary customers are local residents. He describes his biggest business challenge to be financial constraint. He will use the KES 30,000 loan to buy more maize and beans to sell.