Eriya is a 49-year-old married man with four children, ages 6, 16, 20, and 26 years old, who resides in Hoima, Uganda. He operates a general store, mainly selling sodas and water both on a wholesale and a retail basis, which he started with savings from agriculture and loan capital. He started this business in order to improve the family's standard of living and develop it. He would like to expand on the existing business, but late payments by customers and high transport costs are factors affecting his growth. Eriya intends to use the a loan to buy sodas and packed water to sell.