Monday N. is an individual client from Ibanda. He is 35 years old and married with three children — all of them in school. N. has a drug shop dealing in human drugs from Nyakabingo - Katonsi. He has a nurse who helps him attend to patients. His shop is located by the road side and he is able to make 500,000/= as monthly profits. He is grateful for the encouragement of friends and loans from Pearl which support his hard work and commitment. N. needs a loan to be able to purchase more stock to expand his business.