Joseph is a 29-year-old hardworking man living in Kagadi, Uganda. He has been dealing in the transport business for seven years. He used to drive vehicles for other people until recently when he accumulated capital and managed to buy his own, although he has paid only half the price so far. His business is affected by the high fuel costs and taxes. He would like to work hard to ensure that he builds a permanent home and buys land for growing crops. Joseph wants a loan to complete payment of his motor vehicle.