Timothy is a resident of Changamwe, Kenya. He is married and has two children, one of whom is in school. Timothy sells clothes, shoes, and handbags. He started the business from his own savings, and it has been running five years. Besides this, Timothy is also employed as a three-wheeler driver in Changamwe, a trade he undertook to supplement his income.
Timothy is applying for a loan of 41,850 Kenya shillings to purchase more clothes and shoes. His ambition is to own a three-wheeler, despite the challenge of some clients not paying on time. The additional income from the loan will help Timothy educate his children.