Vincent is a 31 year-old hard working married man with 3 children aged 3, 5 and 7. He lives in Kyenjojo, Uganda. He operates a retail shop and he acquired his start-up capital from phone charging and farming. Like all farmers he faces challenges of price fluctuation and inadequate capital to meet the increasing demand, so his business plan is to own a wholesale shop. Vincent intends to use the loan to purchase sugar, soap, rice, salt and cooking oil to sell.