Newton S. K. is thirty two years old, married to a business lady. They have one child, aged six, who they hope to educate to university level. His business is located at Kinanie and he is served by the Kitengela Branch. He has been selling keg beer and soft drinks to local men, both young and elderly, for eight years. He has had his business for three years and has one employee. Newton says that his business is profitable and his major challenge is harrasment by the local administration who want a bribe to allow him to continue selling beer. However he works very hard to keep his business doing well. He is using his loan of Kes 20,000 to buy more beverages to meet the demands of his customers. He hopes to grow his business, buy a plot of land, and build a house to live in. He is very hardworking.