Mary is a fifty-year-old widow who has six children and lives in Kasese, Uganda. She has been operating a hardware shop for 14 years. With the hardware shop profits, she has been able to diversify her income sources by setting up a bar and venturing into the transport business. Like all good mothers, she desires to see all her children attain degrees, as a minimum qualification, and become employed in reputable organizations. Price fluctuations and high license fees hinder her business. Her dream is to trade in wholesale. Mary is requesting a loan to buy beverages, cement, oil and paints, to sell.