James is a 40-year-old married man. He has 2 children, ages 6 months and 4 years. He describes himself to be active and faithful. He operates a dairy farm where he keeps dairy cows for milk production. He has been involved in this business for 5 years. His primary customers are locals and dairy farmers cooperative society. He describes his biggest business challenge to be poor transport during the rain season.
He will use the 100,000 KES loan to buy a motorbike for transporting his milk. His business goal is to be a commercial dairy farmer within 5 years. He hopes that in the future, he will educate and feed his family. A previous loan of 20,000 KES was repaid successfully. He will use the profits from the milk sales to repay back the loan.