Joseph is a thirty-five-year-old married man with four children who owns a house in Kasese, Uganda. He has been in the textile business for ten years. He got the initial capital from his previous employment, started a retail shop, and later transformed it into a textiles shop. His hardship comes from debtors who take long to pay. His vision is to grow into a large-scale textiles shop and to have a poverty-free educated family. Joseph needs the loan facility to buy textiles for sale.