Joseph, 45 years old and married to a businesswoman, lives in Kakata where he is the father of two children, ages 19 and 26, who are presently attending school. For the past three years, Joseph has been selling water by sack and bottles wholesale in the community. Because he is the only one who is involved in this business, he makes substantial profits, and is now requesting a loan to purchase soap, cream, rice, oil, etc. to add to his business. Joseph plans to build a house for his children in the years to come.