Ngumbao lives in the Malindi area of Coast Province, Kenya. He is a married father of three school aged children. He owns a restaurant, which he has been operating for three years. He employs two other people in the café. Ngumbao learned about Milango through friends who invited him to the group. He joined with the aim of accessing credit to improve his business operations. His main challenges are competition and the effects of seasonsl changes.
Ngumbao is applying for a loan of 41,850 Kenya shillings to buy stock, e.g. rice, cereals, wheat flour, cooking oil, etc. His extra income from the loan will be added to his savings to pay school fees for his children and improve his living standard. His dream is to open another food cafe.