Kyalo is a 36-year-old man who is married and has two children. He describes himself as visionary and ambitious. He sells second-hand shoes to earn a living and his business is located on the side of the road. He will use the loan of 20,000 KES to buy more shoes to sell. His business challenge is that he is financially constrained. He will use the profits from the business to pay his children's school fees and also invest in his business. In the future he hopes to buy a piece of land.