Justus is 40 years old, married with three children who live with him plus two dependents who also live with him. He operates a boutique majoring in the sale of new clothes and shoes, it is located in Kagadi town and he has been operating this business since 1995 as a major source of income to look after the family.
Justus wants a loan of 1,400,000 UGX to pay tuition for two of his children and his dependents. He has been using money from the business to pay the fees but this time, he didn't want to take money out the business because the capital would be reduced, rather he wants to be pay back the loan in small installments.The major challenge Justus faces is limited capital, competition in the market as well as the seasonality of the business. His dream is to educate his children and dependents and also diversify his sources of income.