Joseph is a married man. He has 2 children. He describes himself to be self motivated. He operates a grinding mill where he sells maize flour. He also sells cooking oil, sugar, kerosene and other items. He has been involved in this business for 10 years. His business is located in a good area and his primary customers are local residents. He describes his biggest business challenge to be lack of enough money. He will use the KES 50,000 loan to add stock of maize, cooking oil, and other items for resale. He hopes that in the future, he will own a big business. This is his third loan with SMEP DTM. He will use the anticipated profits to start a new business.