Richard is a 23-year-old married man with one child and owns a house in Kasese, Uganda. He has been dealing in second hand clothes for six years. He started with UGX 3,000,000 and now has UGX 6,000,000 as his working capital. His hardship is a lack of enough capital to meet the different tastes of his customers and his vision is a wholesale shop plus educating children. Richard intends to use the loan to buy clothes to sell.