Loy is a mother of four, aged thirty-nine and a strong lady in business, dealing in stationery. She started dealing in stationery in 2004 and she decided to do the business because she had an urgent need of getting a source of income. Her business is located in a town cell in Ruhinda in the Mitooma District. Loy’s clients are mainly schools in the neighborhood and some individuals who buy stationery items for their personal use. She would like to use the loan money (two million shillings) to buy and stock more stationery items so that she can meet demand of her customers. Despite the challenge of competition which affects her, she hopes to be financially stable in the near future since she hopes to put the Kiva funds through UGAFODE to proper use.