Operating a retail shop has been the business of 48-year-old Fred for the past ten years. The father of four school-going children knew Milango through friends. He seeks a loan of 41,900 Kenyan shillings to buy flour, rice and cooking oil as additional stock for his business. The challenge for his business is the competition from other businesses. He sees himself owning a wholesale shop in five years. He will pay school fees for his children from the income that he raises from the use of the loan.