Margret is a 43-year-old married woman with six children. She owns a house in Kasese, Uganda. She has been in the salon business for 20 years. She started with capital of 700,000 shillings and now has 3,000,000 shillings. Her hardship is debtors, and her vision is a bigger business plus educating her children. Margret needs the loan to buy hair chemicals and cosmetics for her salon.