Joseph lives in Malindi area of Coast Province, Kenya. He is married and has four children who attend school. He has operated a retail shop for 10 years. He also earns income from selling second-hand clothes.
He learned about Milango through friends who invited him to the group. He joined with the aim of accessing credit to improve business operations. His main challenges are high taxes and high transport costs and fuel.
Joseph is applying for a loan of 41,850 Kenya shillings to purchase additional stock of electric gadgets to sell in his shop, such as bulbs and heaters. His extra income from the loan will be added to his savings to improve the living standard of his family. His dream is to expand and open a wholesale shop.