Julius is a forty-year-old married man with four children living in Kasese, Uganda. For eight years now he has been operating a retail shop and with the proceeds he has bought land and paid school fees for his children. He also has other income sources to support his growing family and these include a video library and a hotel. Like most businessmen in a developing country, he has challenges of price fluctuation and inadequate capital to meet the vast market. His desire is to see all his children attain degrees as minimum qualification and own a wholesale shop. Julius intends to use the loan to buy sugar and rice to sell.