Charles is a married man. He has 2 children aged 7 and 16 years. He describes himself to be ambitious. He operates a cereals store where he sells maize. He has been involved in this business for 8 years. His business is located in a busy area and has a varied array of customers. He describes his biggest business challenge to be lack of funds. He will use the KES 80,000 loan to buy bulk maize for resale. He also runs a motorcycle transport business. He will use the anticipated profits to support his family.