Manuel is a 37 year-old male. He lives in the town of Masindi-Uganda. He has a retail and wholesale business and also sells paraffin to add to his income. His business is located in Walukuba landing site. Manuel started the business to earn a living, using the little savings he got from fishing. He has a great dream of building a permanent home, though he was challenged by inadequate capital. He intends to use the loan to buy general merchandise, like sugar and soap, to sell.