Joseph is a married man aged twenty-eight, with two children all going to school.
He is a businessman who deals in produce trade and has a retail shop. He also supplements his income with agriculture, specifically in banana and coffee growing. He will use the loan to buy coffee to sell.
He runs three stores at his home, plus retail shop that is managed by his wife. He also has a banana plantation and other gardens that can fetch him a good income at the end of a month. He says he works seven days in a week, though he has labourers who help him on Sundays under his supervision.
He started this business of agricultural produce in 2008 and he says he has been able to meet his daily demands through the business. He says the need to take care of his family instigated him to start this business and has reaped big rewards from it. He says that his main clients are fellow coffee traders and small scale companies involved in coffee transportation, as well as schools around him who buy maize and beans.
He describes himself as a hardworking man and appreciates the work of Ugafode of providing affordable financial services to the active poor. He grows coffee and also trades in it, by buying from other farmers.