Damali is a single mother with three children; two of whom attend school. She is solely responsible for their well being and upkeep.. She is directly involved in buying agriculture produce like maize and cassava which she processes to get flour and then sells to the public. Damali has been engaged in this business for the last six years as evidenced by the photos taken with the loans officer. She has been able to buy a piece of land on which she wants to build a house in future such that she can stop renting which has proved expensive for her. However, this cannot be done with business income because if she did so, her small capital would all be consumed and therefore she had to apply for a loan of three million Uganda shillings to stock more agricultural produce.Damali's dream is to build a big shopping arcade within the town centre if she gets funds. In the photo is Damali (L) and the ugafode credit officer (R).