S. Jane Francis is 28 years old and is married, with four children. She also cares for one niece who is also in school. She has had a retail shop in Kabowa for one year and it is now doing well, thanks to a loan from Pearl Microfinance. Before her first loan, she had empty shelves and few customers, but after her mother introduced her to the Abateesa women's group, her life transformed for the better. She has been able to stock her shop over the past six months and now her customers have increased, with more profits coming in. With this loan, her second with the group, she plans to buy more sugar, soap, salt, cooking oil, bread, soda and other items to sell in her shop.