Muhamad is a new client to Ugafode, a peasant married to Zamura and with 3 children, the client has experienced hardships in agriculture transportation of his goods to the market especially agricultural produce. He has applied for 2,000,000 UGX to enable him to buy a motorcycle to help in the transport in order to reach far markets and more sales. With the motorcycle his market base will expand and so will his profits. He is a hard working man but has always failed to get financial access because he did not have adequate security, but thanks to Kiva through Ugafode he was granted him access to the loan. In the photograph is the client (centre), his wife and the guarantor, they consented on the waiver form.