Reuben is a 30 year old married man. He has four children, ranging from one to eleven years old. He describes himself as a hardworking man. He operates a retail business selling paraffin. He has been involved in this business for three years. His business is located within a busy shopping center and his primary customers are local residents. He describes his biggest business challenge to be the shortage of funds for improving the business. He will use the 50,000 KES loan to buy paraffin to sell. His business goal is to expand his business within five years. In addition, Reuben does farming which increases his business income.