Jovanis is a 47-year-old widow with four children, living in her own semi-permanent house in Fort Portal, Uganda. She is solely charged with the responsibility of looking after her children and her desire is to see them through school. She sells used clothes and has been in business for eight years. She started with 300,000 but she currently has working capital of 800,000/=. She faces the challenges of seasonal changes and the rainy season is very inconvenient for her since she operates in an open place. Her dream is to own a boutique. Jovanis needs a loan to buy clothes to sell.