Kennedy lives in the coastal town of Likoni, Kenya, where he has earned a living for the last five years by running a food café. He is married and the father of two children. He started his business with his personal savings and has made it profitable, in part because he is in a good location with many residents who are attracted by low-cost housing. The main challenges he faces are fluctuating prices and the high cost of materials. He would like to increase the capacity of his cafe because that would maximize his income. He was introduced to Milango by his friends and is applying for a loan for 31,450 Kenyan shillings to buy plastic and arm chairs. His ambition is to turn his café into a world class hotel in the near future, and he believes that the additional income made possible by this loan will help him improve his family’s living standards.