James is a 50-year-old married man with 20 children living in Bundibugyo, Uganda. After realizing that farming alone could not help him support his vast family, he decided to start a retail shop to earn daily income. He is challenged mainly by price fluctuations and high cost of rent for the business premises. His personal goal is educating his children, and his business goal is to expand into new market areas. James is requesting the loan to buy sugar, salt and soap to sell.