Annet is a 40-year-old single mother with three children living in Kasese, Uganda. She has been in the clothing business for four years and her business is located in the market. With the proceeds she has been able to acquire a rental house so as to earn additional income. She is a good mother and desires to educate her children up to the University level while her business plan is to own a modern boutique. Annet intends to use the loan to buy clothes to sell.