Stephen is a thirty-three year-old hardworking man with one child. He rents a house in Kasese, Uganda. He has owned an art and stationery shop for seven years. He started with capital of 300,000 shillings and now has 3,500,000 shillings. His challenge is bad debtors. His vision is to set up an art gallery, and to own a residential house and educate his children.