Godlove M. runs a business of selling cold drinks at Yombo Vituka Dar es Salaam. He is a micro-entrepreneur, Tanzanian, and a married man. Cold drinks business is in high demand in Dar es Salaam due to the hot weather. He meets his family's daily demand including paying the children's school fees from the business income. He is requesting a loan of Tshs 1,00,000 to boost up his business.