Godfrey is a 25-year-old hardworking man living in Kasese, Uganda. He operates a retail shop and also offers a service of mobile money transfers. With the proceeds, he has been able to buy land and also pay school fees for his children. Price fluctuation and inadequate capital are his major challenges. His dreams are to trade in wholesale. Godfrey intends to use the loan to buy powdered soap and tea bags to sell.