Paul is a vegetable trader in an open-air market in Thika. He specializes in wholesale trading in vegetables such as cabbages, potatoes, onions, carrots and cucumbers. He buys the produce directly from farmers in the rural areas of Matuu, a rich agricultural area, transports them and then sells them to residents and small-scale retailers in Thika, Nairobi and the coastal region. He has been doing this for the last four years but the declining rainfalls are threatening crop production. Paul has requested a loan of KES 50,000 in order to increase his stock of potatoes, cabbages and carrots in readiness for the holy month of Ramadhan, as demand for these products is quite high then.