Joseph is a 38-year-old who is married with six children. He operates a bar business, which he has run for six years now .Joseph was first in agriculture where he harvested maize. Then he sold and got start-up capital for a bar business. Price fluctuations and inadequate capital are factors affecting the business growth. He has a dream of educating his children. He wishes to expand his business to other new markets and diversify businesses. Joseph wants a loan to buy beer, sodas and spirits to sell.