Harriet is married and has three children and one other dependent. They live in their own house in Hioma, Uganda. Her family goal is to educate her children to attain a degree as minimum qualification. She operates a hardware shop and has been running it for nine years. She started by selling used clothes and then saved to start the shop after a long struggle. Harriet faces a challenge of her customers defaulting on payments; her dream is to own at least four hardware shops in town. Harriet is requesting a loan to buy metals and iron sheets to sell.