Ruth is a 50-year-old, married woman living in Kasese, Uganda. She has five children. Eighteen years ago, she decided to join government service after qualifying as a nurse. With savings from her salary, she has been able to buy land for farming. She says that, with the current inflation, her salary can hardly meet her basic needs. Her dream is to educate her children up to the University level. Ruth intends to use the loan to pay school fees for her children.