5KChallenge First thing that kevo should do is to spend 5k on purchasing the earphones,5k on buying phone covers and screen protectors and the remaining 10k he should save on either KCB mpesa or Mshwari whereby the amount saved could yield an interest of atleast half of the amount which is 5k in three months time. Profit realized and the 15 k obtained should settle the loan and be left with enough stock for his business which will be about 90 percent of the stock bought