Johnson is fifty years old, married with four children, living in Kasese, Uganda. He has been selling clothes for five years. He is a builder and also practices farming. Responsible father that he is, he dreams of seeing all his children graduate with degrees and get employed by reputable organizations.The ever changing customer prefrences coupled with inadequate capital hinders his business while his dream is to own a modern boutique. Johnson intends to use the loan to pay school fees for his children.