Neckson is a 35-year-old, married man with four children living in Kasese, Uganda. For 8 years he has been running a retail shop. Neckson acquired capital after selling coffee and cotton, a business he still does. His hardships are customers not paying on time, price fluctuations, inflation, high fuel and transportation costs. His personal goals are educating children and buying a car, while his business goal is expanding business into new markets. Neckson wants money to pay school fees for his children.