Henry is a resident of the Mombasa Changamwe area, Kenya. He is a 37-year-old married businessman with two children. He runs a motorcycle transport business that has been operating for the last four years. The business has really grown and he has been able to employ two young people to run the business for him. This business is the sole income earner for him and now he seeks to increase his income and seeks a loan to buy another motorbike. In the next five years he wants the business to grow, and he hopefully wants to run a light transport business. He knew Milango through a friend and he joined so as to access credit for his business. The challenge for the business is weather. Extra income will improve his standard of living.