Kision is a thirty one year old married man with four children. He owns a house in Kasese, Uganda. He has been operating a retail shop for three years. He started with capital of 300,000 shillings from coffee savings and now he has capital of 3,000,000. His hardship is high inflation rates and his vision is having another retail shop. He also wishes to educate his children. Kision needs the credit facility to buy sugar, salt and drinks to sell.