Edison is a forty-seven year-old married man with eight children, living in his own semi-permanent house in Fort Portal, Uganda. The responsibility of looking after the family solely rests on him, and his desire is to educate his children and buy land. After realizing that raising cattle has low returns, he decided to sell off some of the cows and start a shop. He has been in business for five years. He has a challenge of bad debtors, and his future plan is to have a wholesale shop. Edison intends to use the loan to buy rice, paraffin, and match boxes.