Hadijja is a 48-year-old widow with two children who owns a house in Kasese, Uganda. She has been dealing in clothes for ten years. She started with 1,000,000 shillings and now has 3,000,000 shillings as her working capital. Her hardship is limited funds to meet the tastes of clients and her vision is to own a big textile-and-garments shop plus a financially stable family. Hadijja intends to use the credit to buy clothes for sale.