John is a 31-year-old hardworking married man with six children living in Kyenjojo, Uganda. He acquired his start-up capital from house rentals and farming. He opened up a retail shop for general merchandise to help him look after his family, and has been in business for five years. He dreams of building a very good residential house for his family and wants to educate his children up to the university despite a challenge of inadequate capital to meet his customers’ demands. John is requesting the loan to purchase sugar, soap and rice to sell.