Jared is a 34-year-old married man. He has three children with ages ranging from two to 12 years old. He describes himself to be time conscious. He operates a transport business where he transports customers using his motorcycle. He has been involved in this business for five years. His business is located in a densely populated area and his primary customers are the general public. He describes his biggest business challenge to be a lack of funds. He will use the KES 30,000 loan to buy motorcycle spare parts and fuel. His business goal is to expand within five years. He hopes that in the future, he will buy a new motorcycle.