Joseph is a 35 year old married man. He has four children between the ages of one and 12 years-old. He describes himself to be visionary. He operates a business selling cereals like maize, beans and others to the local people. He has been involved in this business for six years and employs two staff members. His business is located in a shopping centre. Joseph describes his biggest business challenges to be inflation and seasonality. He will use the Kes 80,000 loan to increase his stock of cereals. His business goal is to grow into wholesale operation within five years. He hopes that in the future, he will buy a van to facilitate in the running of the business.