Stella is a single mother of two children aged 5 and 9 years. She is 30 years old and looks after a family of three people. She lives in Fort Portal, Uganda in her own house. She says the only present she can give to her children as a mother in this generation is education so that they can be responsible citizens in the future. Stella operates a retail shop and has been in the business for the last four years. However, she says fluctuation of prices affect her business plans and expectations. This is her sixth loan from HOFOKAM and she intends to pay school fees for her children.