Joseph is a 25-year-old married man. He has one child. He describes himself as determined. He operates a capentry business where he makes sofa sets for sale. He has been involved in this business for three years. His business is located in a competitive area and his primary customers are locals. He describes his biggest business challenge to be lack of capital. He will use the KES 100,000 loan to to buy more materials for making sofa sets like timber, nails and other items. His business goal is to own a big furniture shop within five years. This is his third loan with SMEP DTM. Previous loans were paid successfully. He will use the profits to expand the business.