Kiima is a 32-year-old married man with two children. He owns a house in Kasese, Uganda. He has been in the photo-studio business for 10 years, in which he started with two million shillings and now has five million shillings as working capital. His hardship is competition with other people in the same business, and his vision is buying a printing machine for colored photographs plus educating his children. Kiima needs the loan to buy wedding gowns for rental.