Jostus is a 30-year-old married man with two children living in Kasese, Uganda. He operates a retail shop located in a rural area and he farms for extra income. Jostus started his business to provide for his family. Like any loving parent, he hopes to educate his children to higher institutions of learning and expand his business to increase his income base. Jostus faces the difficulty of inadequate capital to re-invest in the business; he is thus requesting a loan to buy cups to sell.