Joseph is a 53-year-old married man. He has 6 children with ages ranging from 15 years to 32 years. He describes himself to be determined. He operates a farm where he grows crops and vegetables to sell. He has been involved in this business for 30 years. His business is located in a rural area. He describes his biggest business challenge to be a lack of enough capital. He will use the 30,000 KES loan to buy seeds, feed, fertilizers and other items to boost his farming business. His business goal is to be a supplier within 5 years. This is his third loan with SMEP DTM. His previous loans were paid successfully.