Emmanuel is a twenty six year old married man with two children. He owns a house in Kasese, Uganda. He has been selling clothes for six years. He started as a hawker with 50,000 UGX as his working capital and now he has 3,500,000 UGX and an established business premise. His hardships are high transport charges, license fees and thieves. His vision for the future involves opening up another shop, plus having a prosperous family. Emmanuel needs the loan facility to buy clothes to sell.