Henry is a resident of Malindi, Kenya. He is a 32 year-old married businessman with four children. He runs a motorcycle transport business that has been in business for the last three years. When not ferrying people from one point to another, he is farming. The business has been doing fine and now he seeks a loan to buy a motorbike. He knew Milango through friends and he decided to join so that he could access credit to fund the business. The challenge for the business is the weather. During the rainy season most people do not prefer motorcycles. The extra income that he raises will improve his standard of living and allow him to pay school fees for his children.