Justus is a 30-year-old married man with three children living in Kasese, Uganda. His personal goal is to educate his children and build a permanent home. He has been selling clothes for five years and his major hardships are price fluctuations, inflation, inadequate capital to purchase stock and high fuel and transportation costs. However, he has a vision of diversifying his business to include farming and expanding his business to new areas. Justus needs a loan to buy clothes for resale.