Oliver is a single woman, aged 37, and a mother to three children aged 14, 11, and 6 years. She owns a retail store where she sells general merchandise. A resident of Kagadi, Uganda, she has been in this business for 12 years. She supplements her sales with selling produce. She plans to build a good residential house and trade in wholesale, despite the challenge of having a lack of funds. Oliver intends to use the loan to buy general merchandise such as soap and cooking oil to sell.