Joan is a twenty-four-year-old married woman with one child. She lives in her own house in Fort Portal in Uganda. She has four dependents and is married to an engineer who also contributes to the welfare of the family.
Joan sells clothes for a living and has been in business for four years. Her business is profitable despite challenges in irregular sales due to rains. Her desire is to have a sheltered shop and stop vending in the open. Joan intends to use the loan to buy clothes to resell.