Joseph lives in Masindi, Uganda. He is 39 years old and married with five children. For the last 12 years, he has been in the transport business. His parents had given him the capital to start the business. His dream is to educate his children and buy land to grow crops. High fuel and transportation costs and motorcycle break-down are some of the factors that hinder his business. Joseph intends to use the loan to buy a motorcycle for his transport business.