Stella is a thirty-three-year-old married woman with two children living in Fort Portal, Uganda. She is teacher by profession and was inspired into service by her mother who is now retired. In order to supplement the low salary she earns, she also has a retail shop. Good mother that she is, she desires to educate her children up to university, and her business goal is to own a wholesale shop. Stella intends to use the loan to pay her children's school fees.