Josephat is a 62-year-old married man and has six children aged between 15 and 40 years old. He farms french beans and bananas and plans to use his loan to buy more seedlings and provide transport for his products. His customers are the general public and schools. Josephat lacks capital to transport his products to the market. He plans to use the anticipated profits to open a shop where he can be sell his products and sees himself as a wholesale supplier in five years. This is his first loan with SMEP DTM.