James is a 31-year-old married man with four children living in Bundibugyo, Uganda. For two years, he has been operating a retail shop. He received start-up capital from carpentry work that he used to do. Inadequate capital to purchase enough stock is the main hardship he is facing. His dream is to build a permanent residential house and his business goal is to expand the business into new markets. James intends to use the loan is to buy rice, salt and sugar to sell.