Joyce is a 32-year-old married woman with three children. She owns a house in Kasese, Uganda. She has been selling cassava flour for 17 years. She started with capital of 400,000 shillings and now has 4 million shillings. Her hardship is lack of capital, and her vision is having her own stock, building a better house and educating her children. Joyce needs the loan to buy cassava flour to sell.