Geofrey, a hard-working 27-year-old married man, lives in Kyenjojo–Uganda with his three children. He is involved in the transport business, with a year of experience as a taxi driver. He started as a hired driver and now has bought his own taxi, paying half of the money with his personal savings. He has problems of bad roads and vehicle breakdowns leading to high repair costs, as well as high fuel and transportation costs. He has a personal goal of building a permanent house and a business goal of expanding his business into new market areas. Geofrey is applying for the loan to complete paying for the car.