Milton is forty-three years old and a married man with eight children living in Kasese, Uganda.He has been operating a retail shop for eight years. He started with 100,000 shillings and now has 1,200,000 shillings as working capital. His hardships are inadequate capital to purchase enough stock, price fluctuations and inflation. Personal goals are educating his children and building a permanent home. Business goals are buying land to grow crops and expanding his business into new markets. Milton wants money to buy sugar, air time and soap to sell.