Joseph is a married man. He has five children. He describes himself as a determined and hardworking man. He operates a dairy farm producing milk, and farms tea, maize, cabbage, carrots, and kale, which he also sells. He has been involved in this business for 25 years.
Joseph's business is located in a productive business area, and his primary customers are local residents. He describes his biggest business challenge as insufficient funds for improving the business. He will use the KES 30,000 loan to buy cow feed, fertilizer and seeds. His business goal is to be a large-scale farmer within five years. This is his second loan with SMEP DTM.