Joan is a 25-year-old single mother to one child aged one year. She lives in Hoima, Uganda where she operates a clothing shop. She looks after her child and together they reside in a rented house. She sells clothes for men and women, bags, and shoes. She has been operating the clothing business for 3 years now. She has come far; having started selling clothes in the Central Market in an open area, she now has a shop. She dreams of constructing her own residential house and driving a car one day. This is her first loan from Hofokam and she intends to use the funds for buying clothes, shoes and bags for reselling.