Phares N. is a Tanzanian entrepreneurial man. He runs a business of a cosmetics shop at Ukonga ward in Dar es Salaam. He purchases the items from Kariakoo city market wholesale shops and other wholesale shops in Buguruni marketing center. Phares is planning to run a wholesale cosmetics shop at Kariakoo business city center but lacks the necessary funds. Therefore, he is requesting a loan to buy more stock and produce more income.