William is a resident of Mbarara municipality. He is 39 years old and married with seven children of his own and four other children left by his uncle who died in a motor accident four years ago. All his children and dependents are in school. He dropped out of school after primary seven due to a lack of school fees and started to work as a porter at nearby building sites. With the little savings he accumulated, he started a small retail shop for survival. This has enabled him to look after his family as well as pay school fees for the children. The business is running with inadequate capital so he is requesting a loan of 3,000,000 Uganda shillings to increase his capital. This will help him to get more income to pay school fees as well as help him meet other costs of living.