Dominic is a 38-year-old married man. He has four children with ages ranging from four to 14 years. He describes himself to be a loving and caring man. He operates a farm where he sells items such as kale, paw paw, maize, mangoes, and tomatoes, etc. He has been involved in this business for 15 years. His business is located in a very productive land and his primary customers are the local and international market. He describes his biggest business challenge to be insufficient funds for restocking the grocery store. He will use the KES 20,000 loan to pay for the last installment on his land; he has been saving on his profits so as to expand his farming business. His business goal is to diversify his business by running a fruit processing plant for selling final products rather than exporting them within five years. Dominic is a priest. Previously, he was self employed.