Wycliffe is a married man. He has one child. He describes himself as optimistic. He operates a retail business where he sells flour, cooking fat, sugar and other items. He has been involved in this business for six years. His business is located in a busy area. He describes his biggest business challenge to be lack of finances. He will use the KES 20,000 loan to buy more stock of sugar, cooking fat, flour and other items. His business goal is to have a wholesale business within five years. He hopes that in the future, he will have a good life.