Joseph is married and has two children, ages five and sixteen years. He is an ambitious man. He runs three businesses: a cattle sales business, a grocery store, and a retail store. He has been running these businesses for the last fifteen years. Joseph has one employee. His business challenge is the high cost of home products and vegetables when buying. He will use the loan for Kes 20,000 to buy more home products and vegetables. Joseph hopes and plans to diversify his businesses in the next five years.