Wilberforce is a married man with two children living in Fort Portal, Uganda.For five years he has been operating a saloon and he also charges phones at a fee. He started the business in order to supplement his farming activities that are seasonal. Inadequate capital is his major business challenge.His dreams are to educate his children, to buy a plot of land, and to build a residential house. His business plan is to have at least three outlets in different places. Wilberforce intends to use the loan to buy equipments to start another salon in the next trading center.