John, 26, is a married man with two children living in Kasese, Uganda. A hardworking man, he is involved in a number of businesses, such as selling clothes, coffee and maize. His major challenge is the seasonal nature of his businesses and inadequate capital to meet the demands when the season is at peak. However, challenges notwithstanding, he desires to educate his children up to university and own a modern boutique. John intends to use the loan to buy clothes ahead of the Christmas season.