Kevo should consider the following:

1. Increase Inventory: Allocate a portion of the loan to increase his inventory of earphones, screen protectors, and phone covers. This will ensure he has a wider variety of products to offer customers, potentially increasing sales.

2. Marketing and Promotion: Invest in marketing and promotional activities to increase brand visibility and attract more customers. This could include online advertising, social media promotions, or even local advertising in his area.

3. Improving Product Quality: Use some of the loan to improve the quality of his products or invest in new product lines that cater to customer demands and preferences. This could help in building customer loyalty and attracting new customers through word-of-mouth.

4. Enhance Customer Experience: Invest in improving the overall customer experience, such as offering better customer support, faster shipping options, or implementing a loyalty program to encourage repeat purchases.

5. Expand Distribution Channels: Consider expanding distribution channels, such as partnering with other retailers or selling products through online marketplaces, to reach a wider audience and increase sales.

6. Invest in Technology: Allocate funds towards upgrading his business technology, such as a better point-of-sale system or an e-commerce platform, to streamline operations and improve efficiency.

7. Training and Development: Invest in training programs for himself or his employees to enhance product knowledge, sales skills, and customer service, ultimately leading to better customer satisfaction and increased sales.

By strategically allocating the ksh20000 loan towards these growth areas, Kevo can effectively expand his business and increase revenue over time.