Mugisha H. is an individual client from Kihihi. He is 33 years old and married with two children aged 5 and 2. H. has a hardware shop in Kihihi Trading centre that has been in existence for 10 years. He deals mostly in motor spare parts, that is to say, motor vehicles and motorcycles, and since he has a lot of customers, he is able to make 300,000/= as weekly profits. H. is seeking his first loan from Pearl microfinance and he will use it to buy more motor spare parts for increased stock. He is very hard-working and his dream is to have a reasonable number of children that he will be able to educate and take good care of.