Joseph K. is forty-six years old and married. His wife is employed by the city council and they have three children aged between eighteen and twelve years old. His business is located at the busy Marikiti market in Nairobi.
He sells an assortment of goods which include jackets, shoes and other items. He has been in this business for three years now. He says that this business is profitable and the major challenge he has is financial constraints.
He is using his loan of Kes 50,000 to rent premises to diversify his business to shoe shining. He hopes to grow his business and become a wholesaler of shoes. He also works hard to always be able to meet his family's needs. He describes himself as intelligent, determined and God-fearing.