Godfrey is a 34-year-old, hardworking man living in Fort Portal, Uganda. He has a personal goal of building a permanent house and and educating his children to attain better academic qualifications. Godfrey operates a retail shop and the business is very profitable despite challenges of customers not paying on time. However, he has a vision of diversifying his business to include farming and owning a wholesale shop. Godfrey intends to use the loan to buy general merchandise such as salt and sugar for sale.