Robert is a married man. He has two children aged five and seven years. He describes himself as passionate and aggressive. He operates a retail business where he sells phone accessories, compact disks, etc. He has been involved in this business for 10 years. His business is located in a busy area and his primary customers are local residents. In addition, he also provides rental house services and works as an agent for M-Pesa transactions (mobile payment system) for customers.
He describes his biggest business challenge as being the high rates of license fees charged by the city council. He will use the Kes 20,000 loan to purchase more phone accessories. Robert's business goal is to own extra rental houses within five years.