Patrick is a married man. He has three children ranging from 1 to 12 years old. He describes himself as an ambitious person. He operates a grinding mill where he grinds maize to produce maize flour for selling, and also sells other cereals. He has been involved in this business for five years. His business is located in a busy area, and his primary customers are of all kinds. He describes his biggest business challenge to be a lack of funds. He will use the KES 95 000 loan to add stock of maize and other cereals. He hopes that in the future, he will expand his business. He will use the anticipated profits to support his family. He also does farming to earn extra income.