Caleb is a 33-year-old man. He has two children, ages 1 year and 6 years. He describes himself to be creative. He operates a retail business where he sells jikos (stoves). He has been involved in this business for five years. His business is located in a densely populated area and his primary customers are the general public. He describes his biggest business challenge to be lack of funds. He will use the KES 20,000 loan to buy more stock of jikos for resale. His business goal is to be successful within five years. He hopes that in the future, he will improve his life standards. He will use the anticipated profits to pay school fees for his children.