Haron is a 26-year-old single man. He describes himself as a quiet person. He operates a shop where he sells vehicle spare parts. He has been involved in this business for six years. His business is located in an urban area, and his primary customers are local customers. He will use the KES 63,000 loan to add the his stock of spare parts for resale, and to buy a solar panel to light his house. His business goal is to expand within five years. Previously he was a mechanic. He will use the anticipated profits to repay the loan.