Lawrence is a married man, age 32, with six children between the ages of 13 and 1 living in Kagadi, Uganda. He owns a retail shop where he sells shoes. He has been in this business for four years. He is also a politician who represents his local area in the district. He is currently building a residential house for his family. Inadequate capital is a major challenge to his business. Lawrence intends to use the loan to buy shoes to sell.