Joseph is a 49-year-old business man who lives in Yei. He is married with five children between the ages of three and 16 years. All of them go to school. Joseph runs a general store, and has been in business for six years. He has no employees. He heard about Finance Sudan through promotions by the loan officers. He is taking a loan of SSP 1,500 to purchase more body lotions and many other items. In addition to this business, he has no other source of income. In five years, Joseph would like to expand his business and open other branches. His major challenges include high market prices and transportation costs. Joseph says he is happy for the loans given by Finance Sudan through the help of Kiva.