Joseph is a 40 year-old married man. He has four children between the ages of two and 15 years. He describes himself as competent and ambitious. He operates a retail business providing motor vehicle repairs and selling spare parts. He has been involved in this business for 20 years. His business is located in an area conducive to his service; his primary customers are mechanics. His biggest business challenge is the high price of spare parts. He will use the Kes 20,000 loan to buy more spare parts. Joseph's business dream and goal is to run two more spare parts retail store within five years.