Josephine lives in Kongowea area of Coast Province, Kenya. She is a business lady and runs a clothes business which she has been operating for ten years. In this business she sells shawls, handbags, pants, shoes, etc. She also sells charcoal and is formally employed.
She learnt about Milango through friends who invited her to the group and she joined with the aim of accessing credit to improve her business operations. Her main challenges are bad debts and competition.
Josephine is applying for a loan of 41,900 Kenya shillings to purchase additional stock of secondhand items like bedsheets, shoes and clothing. Her extra income from the loan will be added to her savings to help open a stall in the town. Her dream is to open a larger boutique which can provide more income to educate her child.