Aricky is 38 years old. He is not married and he is employed as a driver. He owns a retail shop that he has employed someone to manage on his behalf. He says that he hopes the business will grow to be larger. The major challenges that he faces in the business are the high prices of commodities and inflation. He heard of Milango through friends and now he seeks a loan to buy retail products such as cereals, bread, milk, flour and other goods for the shop. The extra income from the loan will improve his living standards and also help his sister to educate her children. The children are in his care; therefore, the benefit of the business will roll down to his nephews.