Mark is a 31-year-old man who is married with two children and lives in Fort Portal, Uganda. He lives in a rented house and his family dream is to improve his household income and educate his children as well. Mark deals in general merchandise, selling sugar, soap, cooking oil and other domestic items besides his cattle business. He has been dealing in this business for the past one and a half years. In order to help him boost the business, Mark has decided to borrow and use the loan funds to purchase sugar, soap, cooking oil and salt to sell in his shop.