Emmanuel is a thirty-two-year-old married man with three children, living in Fort Portal, Uganda. He is his family's sole supporter, and his dream is to educate his children. For two years he has been operating a retail shop. He got his initial capital from repairing computers and his business has grown steadily. He has limited capital to meet the demands of his customers, so he needs a loan to buy sugar, cooking oil and soap to sell. His desire is to become a wholesale trader.