Winfred is a 32-year-old hardworking woman living in Fort Portal, Uganda. She is a teacher by profession and also deals in mobile money transfers, which operate like Western Union. The service is intended to help people in rural areas who can not access money through banks. She is serving mobile users, who describe her as an honest and hardworking lady. Winfred is facing the hardship of competition, and her dream is to start a microfinance institution. She is requesting the loan to purchase electronic float for her mobile money business, so that she can process more transactions for her clients on a daily basis.