Patrick is a 52-year-old married man with 5 children. He describes himself to be smart. He operates a farm where he grows potatoes and fruits to sell. He has been involved in this business for 12 years. His business is located in a very good area and his primary customers are local residents. He describes his biggest business challenge to be lack of money to buy supplies. He will use the KES 20,000 loan to buy seeds and farming materials. He hopes that in the future, he will excel in farming.