Immaculate, a single mother, operates a retail shop in the outskirts of Lyantonde town. She started the business to earn income to provide for the basic needs of her child and herself. She wants the loan to buy sodas and beers, which are her major stock items, and pineapples which are in season and can be bought cheaply. She will make the loan repayments from the profits of the business. She is a resilient hard-working woman.