James is a twenty-nine-year-old married man with three children living in Kasese, Uganda. He has been in the transport and timber business for three years, which he started with 500,000 shillings and now has 9,500,000 shillings as working capital. His hardship is customers not paying on time. His personal goals include educating his children and building a permanent house. His business goal is expanding the business into new markets. James wants money to buy more timber to sell.