Francis lives in Kilifi county. He is 57 years old and he is married with six children. He operates a garage and autos pares shop in Kilifi. He has been in this business for six years. It is his sole source of income. He heard about Milango from an employee and decided to join so that he could access credit in order to fund his business. He now seeks a loan to buy tyres and other auto spares. He started his business using personal savings and the business is growing despite the challenges of customers not paying their debt in time. He hopes that in five years he will be running a big wholesale business. Extra income from using the loan will improve his standards of living.