Justine is a 49-year-old single woman living in Bundibugyo, Uganda. She is a natural resource officer, and she gets a hard-to-reach allowance as side income. She has been in this service for four years, and with the proceeds, she has been able to buy land and pay school fees for her children. A good mother that she is, she desires to educate her children up to the University. Justine intends to use the loan to pay school fees for her children.