James is 50 years old and he lives in the Kaloleni area, which is near to Mariakani, Kenya. He is married with five children. He started the business out of his own savings and the business has grown into a retail shop. He knew Milango through friends and now he seeks a loan to buy sugar, maize flour, and cooking oil for sale in his business. He hopes that the business will grow into being a wholesale business in the next five years despite the price changes, inflation, and high fuel costs. He will buy a piece of land with the extra income that he will raise from the business.