Ephraim is a forty eight year old married man with three children living in Kasese,Uganda. He has been in the poultry business for three years. He started with 100,000 shillings and now has 2,000,000 shillings as working capital. His hardship is inadequate capital to purchase stock. His personal goal is educating his children and his business goal is expanding his business into new markets. Ephraim will use the loan to pay school fees for his children.