Joy is 51 and widowed with seven children. She also cares for four orphans. She owns two businesses, a restaurant and a timber/furniture business. She buys the timber already felled and then mills it into boards. She then transports the timber to the nearby town of Ntugamo where she has her workers make it into furniture, usually chairs, and beds. These kinds of furniture makers are quite common along the roadside, displaying their finished products out by the road. Since most have rather rudimentary tools and no electrical tools, the furniture is lacking in high quality, but is in high demand nevertheless. With her loan, Joy plans to pay her workers and to pay for transport of her timber.