Josephat is a 30 year old married man. He has 2 children with ages two and half years and nine years. He describes himself to be motivated. He operates a retail stall where he sells tomatoes, onions and other vegetables. He has been involved in this business for 2 years. He describes his biggest business challenge to be price fluctuations. He will use the KES 10,000 loan to purchase tomatoes, onions and other vegetables. His business goal is to be a wholesaler within 5 years. He hopes that in the future, he will be rich. This is his second loan with SMEP DTM. His previous loan of KES 10,000 was repaid successfully.