Patrick is a 39-year-old man who is married and has four children. He describes himself as determined.
He operates a phone repair shop and has been in this business for three years. He operates the business in a competitive area. He will use the loan of KES 20,000 to buy mobile phone chargers, batteries and other electronics to sell.
He faces a challenge of lack of capital to expand his business. He wants to own a big shop in five years time.