Jones,44, is a married man with four children living in Kasese, Uganda. He has been running a retail shop for eight years, working six days a week and twelve hours a day. His business is located in the market, and thus attracts many customers. He also earns a salary as lab technician. Stiff competition is his great challenge and his dreams are to diversify his business to trade in unique products of better quality and also upgrade in his academic qualifications. Jones intends to use the money from this loan to buy rice, sugar, cassava flour and beans to sell.