Gard is an individual client from Kihihi. He is 29 years old and married with two children who are 4 and 2 years old. One of the children is already in school. Gard has a retail shop that sells general merchandise. In addition, he is involved in the sale of used clothes, especially bitengi, from Rukarara Cell and he is happy that his business is able to generate 200,000 shillings every week. He is also involved in the sale of produce, from which he got the start-up capital for the retail shop and selling clothes. His dream is to strive for business expansion and family development since he has managed to provide for his children. Gard needs a loan to be able to buy more clothes and shop items for resale.