A 25-year-old man, Jose, is seeking advice on whether to take a Sh700,000 loan to cover his wedding expenses, dowry, and to start a business for his unemployed girlfriend.

• Jose's wedding and dowry budget is Sh550,000, with an additional Sh150,000 allocated for his girlfriend's business.
• His current monthly income is Sh60,000 (net salary + side hustles), with expenses totaling nearly Sh57,500, leaving little room for savings.
• A financial consultant advises that a loan of this size is a high-risk undertaking, with estimated repayments of Sh16,600-Sh17,800 monthly, exceeding typical loan approval thresholds.