Fredrick is 41 years old married with 5 children aged 12-2 living in his own house in Hioma, Uganda. He has been operating a medical clinic for a period of 4 years and the business is progressing steadily. He faces a challenge of debtors who do not want to pay in time which affects the business returns. He hopes to set up a pharmancy in future. Fredrick needs the loan facility to buy drugs for sale.