Joyce is a 30-year-old single mother of three children living in Fort Portal, Uganda. In order to support her family, she decided to set up a salon and with the proceeds she has been able to buy land and provide the basics to her family. Good mother that she is, she desires to educate her children up to the university and set up rental houses for each of them so as to secure their future. Inadequate capital hinders her business plan while her dream is to own a modern beauty parlor. Joyce is requesting a loan to pay school fees for her children.