Thomas is a married man. He has six children. He describes himself to be trustworthy. He operates a retail business where he sells bread, drinks, cooking fat, flour and other items. He has been involved in this business for 10 years. His business is located in a business friendly area and his primary customers are locals. He describes his biggest business challenge to be the lack of sufficient working capital. He will use the KES 100,000 loan to buy more stock of flour, bread, sugar and other items to sell. His business goal is to be prosperous within five years. He will use the anticipated profits to improve his standards of living.