Mohamed K. runs a charcoal store at Kisiwani in Buguruni ward in Dar es Salaam. He is married with three school children. He purchases charcoal wholesale direct from the charcoal maker in a nearby district and resells it to retailers for domestic use. He has been in this business for four years. Charcoal is the main source of power in most developing countries due to the high prices of electricity, which, besides being expensive, is also unstable. Mohamed K. needs a loan of Tshs 600,000. ($450) to buy more charcoal for resale.
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