Richard is 28 years old, has four children, and lives in Kanungu District. He is a market trader selling produce and cereals. His business is located in a daily market of Kihihi. He proudly says he has a great number of customers that includes nearby schools and the town council population. Richard, who has spent seven years in his business, attributes his success to the freshness of his produce, trust that his customers have invested in him, and the availability of produce. Richard is able to meet the daily demands of his customers due to the constant supplies he gets. He also ventured in alcohol sales that has been very critical in increasing his profits.
In the future, Richard plans to expand his businesses and educate his children to higher levels. This is Richard's first loan from Pearl and Kiva and he hopes for the best outcome although his first capital was from a loan through a local Savings and Credit Organization (SACCO). With the Kiva loan, Richard intends to use his hard-working spirit to expand his business by purchasing more cereals for resale.