Gladys a 59-year-old married lady living in Fort Portal, Uganda. She has a personal goal of educating her children so they will earn degrees as minimum qualification. She has been running a retail shop for the last ten years after getting capital from her husband. She is facing financial hardship because of customers not paying on time and because of price fluctuations. However, she has a dream of owning a wholesale shop in the next three years. Gladys needs a loan to pay the school fees for her children.