Fredrick is a 42-year-old married man. He describes himself to be a business-minded man. He operates a butcher shop where he sells meat. He has been involved in this business for 13 years. His business is located within a viable business area and his primary customers are hotels, restaurants and local residents. He describes his biggest business challenge to be insufficient funds for improving the business. He will use the KES 45,000 loan to buy more meat for resale. He had taken an earlier loan of KES 50,000, which he managed to repay with ease. His business goal is to run a progressive butcher shop within five years. He hopes that in the future, he will be a supplier of meat and run another butcher shop.