John is a 61-year-old married man. He has seven children with ages ranging from 20 to 39 years old. He describes himself to be a go-getter. He operates a quarry where he sells building stones. His business is located in a busy area and his primary customers are house builders. He describes his biggest business challenge to be financial constrains. He will use the KES 60,000 loan to buy tools for carving building stones.