Stephen is a 39-year-old married man with three children living in Fort Portal, Uganda. His personal goal is to educate his children and buy a car. He has been in transport for the last four years and his main hardship is the high fuel and transportation costs. However, he has a vision of hiring employees to help expand his business. Stephen needs a loan to buy another motorcycle, which he will hire out to riders who will be remitting 80% of the daily earnings.