Gladys is a 36-year-old married woman with two children. She lives in Fort Portal, Uganda. Gladys has been running a produce business to earn additional income and supplement her work as a small scale farmer for five years. She wishes to construct a permanent house as she is currently living under a mud wattled house. Gladys also wants to educate her children so that they can, at a minimum, attain degrees. She supplies schools on credit and faces hardships due to their delayed payments. Her goal is to own a food store that can sustainably supply her customers year-round. Gladys intends to use the loan to buy maize, beans, and groundnuts to sell.