Mark A. is 30 years old, single, and lives with two dependants, a boy and a girl, who are members of his extended family. One of the dependant’s parents died due to HIVAIDS and the other was abandoned during the 1992 land clashes in the Transmara region of Kenya. He lives with them within Kayole, Kenya.

In 2004 Mark ventured into the business sector by doing tailoring and dressmaking, which he did for 3 years. The business capital was provided by Kenya Agency of Development and Entrepreneurial Technology (KADET), a World Vision micro-finance wing. A loan of Ksh 56,000.00 (USD 800) enabled him to buy sewing machines and clothing materials and he was later able to settle the loan. A golden opportunity from the World Vision emerged and got him a tender to make school uniforms for four schools within Kayole.

In 2005, as a form of business expansion, Mark started a mobile phone repair shop and sale of mobile phone accessories. He employed 3 orphans who had gone through technical skills training sponsored by World Vision. Besides offering mobile phone charging services, the number of clients seeking phone repairs has greatly increased. He is currently not able to serve his customers effectively since he lacks computers and power flashers that enable detection of a problem in the phone software hence he incurs extra costs in having to seek that kind of service in the city centre, 20 kilometers from his business location.

Mark is requesting for a loan of (USD 650) to enable him purchase a computer and power flashers. This will enable him to detect the problem in the phone software and to do repairs. This will help improve the profit margins by cutting down on costs of transportation and consultation services from other dealers and also bring flashing services closer to other technicians operating within Kayole. The business will also create employment for the people of Kayole. The loan is repayable within 12 – 18 months.