Nicholas is a married man. He describes himself to be patient. He operates a general goods retail store, where he sells sugar, drinks, flour and other items. He has been involved in this business for five years. His business is located in an area with potential and his primary customers are locals. He describes his biggest business challenge to be changes in the prices of goods. He will use the 95,000 KES loan to to add stock of sugar, flour, drinks and other items. His business goal is to open more retail stores within five years. He will use the profits to expand the business.