Julius, 28, is a married man with one child living in Kasese, Uganda. He deals in electronics and his business is located on a busy street, thus attracting many customers. He also trades in salt since the salt lake is nearby, and he has a motorcycle for transport business as additional income source. Good father that he is, he desires to educate his children through university and build a good residential house for the family. He is challenged by inadequate capital to meet the demand, while his business plans are to become a leading electronic supplier in the district and buy two more motorcycles for his business. Julius intends to use this loan to buy a motorcycle for his transport business.