Josphat lives in Mombasa, Kenya. He is 30 years old, married and has one child. He makes charcoal burners, metal doors and metal boxes for sale. This has been his business for the last 12 years. He learned about Milango through friends. He now seeks a loan to buy scrap metals as his raw materials. He also owns a motorbike which he uses to transport people for income. The challenge he faces in the business is the slow season that is usually experienced in this part of the world. Extra income raised from the loan will pay his child's school fees.