Joseph is a 25-year-old single man. He describes himself as ambitious. For the past 2 years, Joseph has operated a retail business selling skins and hides. His business is located in an ideal business environment and his primary customers are industries and local residents. Joseph describes his biggest business challenges to be stiff competition and inadequate high quality hides and skins for selling. He will use this KES 20,000 loan to buy hides and skins to sell. Joseph's business goal is to expand his business so as to create job opportunities for young people within 5 years. He hopes to open several similar retail businesses in the future. This is Joseph's first loan with SMEP DTM.