Daniel is a petty trader. He trades in ladies' and children's dresses, underwear, jeans, and shoes, which he has done for 4 years. Daniel is single. He uses his income to pay for his accommodations and utility bills. He will use his loan to purchase more ladies' and children's dresses, jeans, and shoes to sell. With the new profit from his expanded business, Daniel wishes to acquire a shop to sell his goods.