J. is a fifty-year-old woman, married with six children; two of the children are below eighteen years of age with two other dependents. Her husband is a retired civil servant, meaning she is in charge of the family's welfare. She is a banker and is a very hardworking woman, focused and very forward-thinking. She lives in Fort Portal, Uganda and her dream is to see her children with better qualifications and working in reputable organizations. J. intends to use the loan funds to pay school fees for the children.