Francis, a 35-year-old married father of four children living in Bundibugyo, Uganda, owns a retail shop that he started with capital earned from cocoa farming. He has been in the business for five years, and within this period he has been able to construct a semi-permanent house and educate his children. Inadequate capital to meet the high demand is the main hardship this client is facing. Francis's business goal is to expand into new markets and buy land to grow crops.
Francis dreams of building a permanent residence and educating his children. For the later purpose he is requesting a loan to pay school fees for his children.