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Joram is a 41-year-old married man with nine children living in Kasese, Uganda.
He has been selling bread for 12 years, and with the income earned he has been able to build a rental house that now greatly supplements his income.
Inadequate capital to buy in bulk and price fluctuations hinder his business. His ambition is to own a modern bakery that can supply at least three districts.
Joram intends to use the loan to buy cooking oil, baking powder and fire wood to use in baking.