John is a hardworking, 34 year-old married man with 7 children living in Kyenjojo-Uganda. He got his start operating a small restaurant, which allowed him to save money for the general merchandise to stock the retail shop and to help him look after his family. John has six years' experience and he works at least 12 hours a day. His business is located in a trading center that attracts many customers. However, he has a challenge of inadequate capital to meet people’s demands. Therefore, John is requesting a loan to purchase sugar, soap, rice, salt, and sodas for the retail shop. John dreams of becoming a wholesaler and building a permanent residence for his family.