Stephen is a 30-year-old married man with 3 children. He describes himself to be a good man. He operates a farm where he grows tomatoes and potatoes. His farm is located in an area that is good for farming and his primary customers are local residents. He describes his biggest business challenge to be lack of adequate funding. He will use the KES 20,000 loan to buy farm inputs i.e seeds, fertilizers, etc. His business goal is to be the main producer of potatoes and tomatoes in the area he lives within the next 5 years.