Moses is a 43-year-old married man with four children living in Kasese, Uganda. For 12 years he has been selling clothes, and he also operates a retail shop to earn extra income. Like most businessmen, he is faced with the challenges of price fluctuation and inadequate capital. He wishes to educate his children up to the university level and own a modern boutique and a wholesale shop. Moses intends to use the loan to buy clothes to sell.