Sadress is a thirty-one-year-old married woman with four children and she owns a house in Kasese, Uganda. She has been in the bar/lodge business for two years. She started with a working capital of 250,000 shillings and has now accumulated 4,500,000 shillings as working capital. Her hardship is high employee turnover and her vision is business expansion and employing skilled manpower. Sadress needs the loan to buy beers to sell.