Catherine is 40 years old, married, with two children, both going to school, living in Kasese, Uganda. She sells second-hand clothes and has been in that business since 1996. She sells cocoa as additional income. She began the business to be self-employed and look after her children. She dreams of expanding her business and buying a vehicle to ease her transport and add to her income. However, she is faced with a challenge of competition and high transport costs. Catherine intends to use the loan to buy second-hand clothes to sell.