Julius is a married man. He has two children. He describes himself as jovial. He operates a business where he provides motorcycle transportation. He has been involved in this business for two years. His business is located near a busy tarmac road, and his primary customers are residents in the business area. He describes his biggest business challenge to be climatic conditions; when it rains some roads are impassable. He will use the 20,000 KES loan to buy spare parts for his motorbike. His business goal is to own many motorbikes within five years.