Yovito is a 38-year-old married man with four children living in Fort Portal, Uganda. His personal goal is to educate his children to attain degrees as a minimum qualification. He has been a retailer for the last ten years. He got the start-up capital from his wife's salary and the sale of goats and a cow. He faces hardships such as customers not paying on time, price fluctuations, and inflation. However, he has a vision of expanding his business to new areas. Yovito needs a loan to buy general merchandise such as sugar and salt to sell.