Joyce is a 38-year-old, married woman, who has five children. She lives in Kasese, Uganda. She has been a teacher for fifteen years. She was inspired to join this profession by her desire to nurture young people. She says that the low salary she earns cannot support her growing family. Her plan is to buy land and venture into agriculture.
Being the responsible mother that she is, she dreams of educating her children to attain degrees, as a minimum qualification. Joyce intends to use the loan facility to buy land for farming.