John is a 35-year-old hardworking married man with five children living in Kyenjojo, Uganda. John operates a men’s salon, working for at least seven hours a day, alongside being a mechanic in his garage. He acquired his start-up capital by doing motor vehicle, motorcycle and bicycle repairs. His dream is to have a modern salon so as to attract more customers, but he has inadequate capital. John is requesting a loan to purchase shaving machines, mirrors and chairs for the salon.