Patrick is a thirty-eight-year-old married man with three children, living in Kasese,Uganda.Ten years ago he decided to venture into the clothing business in order to support his family since his salary was so low and unreliable. Price fluctuations and ever changing customer preferences are his major challenges. He dreams to own a modern boutique. Like most good fathers, he desires to educate his children up to the university level. Patrick intends to use the loan to buy clothes, shoes and cosmetics to sell.