Charles is a 58-year-old married man with eight children. He owns a house in Kasese, Uganda. Charles has been in the limestone business for 45 years, starting out by selling substandard limestone and now selling the fine one. His hardship is the difficulty of working in the rainy season. Charles' dream is to diversify into selling charcoal and firewood. Charles needs this loan to buy charcoal and firewood to resell.