Zephania is a 36-year-old married man with five children who owns a house in Kasese, Uganda. He has been dealing in secondhand shoes for four years. He started with a capital of 300,000 shillings and now has 1,500,000 shillings. His hardship is lack of enough capital and his vision is business expansion plus building a better house. Zephania needs the loan to buy shoes to sell.