T. Francis is a 46 year old business man who has, for the last 3 years, been operating a small cinema hall business in Bwambara-Rukungiri. In a month, this business generates him KES 100,000. Francis is married and has 6 kids. Francis is also a teacher and he says his small savings helped him a lot in getting started as he was able to buy furniture and other needed equipment. With this loan he says he is going to pay for the education costs of his kids.