Joseph is a 30-year-old married man with one child living in Kagadi Uganda. Three years ago he decided to venture into a local brew sales business after assessing its profitability and ready market. He is a very hardworking man who does other businesses such as teaching primary school and trading produce. He dreams of buying a vehicle and constructing a permanent home despite challenges of limited capital that affects his business growth. Joseph is requesting for a loan to buy local brew to sell.