Jowani is a 28 year old married man living Bundibugyo ,Uganda. He has a child. He has a drug shop which he has operated for 3 years and the business is at the boom stage since he enjoys the monopoly of the market. He has hardships of customers not paying on time, high fuel and transportation costs. Educating his child and building a permanent residential home for his family are his personal goals. His wish is to expand business into new markets and to own a pharmacy. Jowani wants a loan is to buy drugs to sell.