Ronald Embelywa owns a Livendi shop where he sells sugar, sodas, bread, flour, sanitary towels and cooking oil to retail customers. He has two employees. His business challenges are inadequate capital and the increasing cost of doing business (e.g business license is expensive). He needs a loan of KES 60,000 to buy tea leaves, sugar and sewing materials. His dream is to build a business empire. Ronald has a housewife with ten children ranging from age two to twenty nine years and describes himself as hardworking, with a vision.