Jimmy is a 32-year-old married man living in Kasese, Uganda. He has been operating a retail shop for two years. He started the business to supplement his meager salary as a government worker. Like most traders in a developing country, he faces challenges of price fluctuation and high taxes. Despite these challenges, he has dreams of owning a wholesale shop and buying land to grow crops. Jimmy intends to use the loan to buy sugar, soap, soda, and rice to sell.