Charles lives in Changamwe near Mombasa, Kenya. He is married with a six-month-old baby. He sells charcoal. This has been his business for the last year. Friends introduced him to Milango so that he could access credit. Charles, 30, now seeks a loan of 83,450 Kenya shillings to help him buy a motorbike for transporting his goods. The challenge he faces in his business is the disturbances by the municipal council. Early preparation for school fees is his aim.