Mary is 33 years old, married and the mother four children. She lives in Kasese, Uganda, where she has earned a living for the last 10 years by selling clothing. She started her business with 100,000 shillings but now has 300,000 shillings in working capital. Her hardships are customers who do not pay their bills on time and inadequate funds for buying new items to sell. Her goals for the future are to educate her children and expand into new markets. She is applying for this loan to buy clothes to sell.