Josephine is a 32-year-old married woman. She has four children. She describes herself to be goal oriented and trustworthy. She operates a farm where she keeps dairy cows that produce milk for sale and grows vegetables to sell. She has been involved in this business for six years. Her business is located in an area with high demand for milk and her primary customers are local residents.
She describes her biggest business challenge to be lack of enough funds. She will use the KES 20,000 loan to buy a bicycle to enable her distribute milk to the market. Her business goal is to buy another cow within five years to enable her to increase milk production. She hopes that in the future, she will buy a motorcycle which she will lease out to enable her to earn more income. This is her first loan with SMEP DTM.