Hosea is a 38-year-old married man with seven children living in Kasese, Uganda. He is involved in a number of businesses, such as cosmetics, motorcycle transport, and farming. He started these businesses in order to support his growing family, and his desire is to see his children finish school and graduate. Inadequate capital to meet the different tastes and preferences of his customers is his major challenge, while he dreams of owning a fashion school and opening another outlet. Hosea intends to use the loan facility to buy cosmetics, oil and hair weaves to sell.