Francis is a 27-year-old single man. He describes himself to be aggressive and determined. He operates a carpentry workshop retail store where he sells furniture. He has been involved in this business for five years and employs one staff member. His business is located within a busy market and his primary customers are local residents. He describes his biggest business challenge to be high price of wood for making furniture. He will use the KES 20,000 loan to pay for the expansion of his carpentry workshop. His goal is to improve his business within five years. He hopes that in the future, he will have become the best carpenter in his home town .