Charles is a 50-year-old married man. He has 4 children aged from 13 to 25. He describes himself as an honest and determined man. He operates a bicycle transportation business. He has been involved in this business for 5 years. His business is located at a very competitive area and his primary customers are men. He describes his biggest business challenge as insufficient funds for business expansion. He will use the Kes 10,000 loan to buy spare parts for his bicycle. Within 5 years, Charles's dream and business goal is to own a pick-up for transporting products for customers.