Josphat

Josphat, a 32-year-old entrepreneur, is married and supports his spouse and three children under 18. For the past eight years, he has successfully operated a retail shop, earning an average monthly income of KES 20,000 by selling household goods, groceries, and essential supplies. Seeking to expand his business, he has taken his first loan of KES 100,000 with Vision Fund Kenya to increase stock levels, improve customer satisfaction, and boost sales turnover. He plans to use the profits generated to repay the loan while reinvesting in business growth. His long-term vision is to transform his retail shop into a large, well-established enterprise, achieving financial independence, creating employment opportunities, and securing a stable future for his family.