Godfrey is a 32-year-old married man with two children, ages 11 and 9, living in Kyenjojo,Uganda. He sells beer, soda and spirits and also earns income from teaching and has rental houses. He has a challenge of customers not paying on time and inadequate capital to meet the customers’ demands. He has a personal goal of educating his children to attain degrees and a business goal of expanding his business to open up other outlets. Godfrey is requesting for a loan to buy beer, soda and spirits to sell.