S. Godfrey is a client of Pearl microfinance in Ntungamo. He is 49 years old and married with 6 children aged 15 – 6 years as he takes care of 1 orphan and all the children are in school. He is a business man involved in banana trading in Ishunga Cell for 9 years and at the moment he makes a profit of 30,000/= from the sale of matooke a week. In addition to his good customer care skills, Godfrey would like a loan to help expand his business by increasing his capital base so that he can be able to buy more matooke for resale. He has high hopes of seeing all his children educated since this is the first key to success. He is a hard working and determined man who works hand in hand with his wife and children so that they could enjoy the fruits together.