Yeremiya is a 51 year old married man with eight children. He lives in Bundibugyo, Uganda. He has a second-hand clothing business which he operates along side a cocoa buying and selling business. He has been in the two businesses for eight years and wishes to improve his family's well-being. He sells his cocoa to one of the leading cocoa agents--ESCO Uganda. His main challenges are competition and bad weather. Yeremiya will use this loan to buy more second-hand clothing to sell.