Joyce is a fourty-four year old married woman, with five children, living in Bundibugyo, Uganda. She takes care of her family with the help of her husband, a farmer. Their dream is to educate their children up to university level. She has been operating a salon for nineteen years and this has facilitated her in looking after the family.
Joyce has challenges of limited capital and her dream is to have a big and modern salon. Joyce needs the loan to buy cosmetics for use in the salon.