Ernest is a 44-year-old married man with seven children, living in Kyenjojo, Uganda. He has been in business for 8 years, dealing in buying and selling local brew, maize, Irish, and milk.
In addition to the above, Ernest has a retail business selling household items like soap, salt, utensils, and sugar, among other things. His business is in a rural area where there is less competition.
He began his business to increase his family income, so he could educate his big family. He hopes to own a wholesale shop and venture into commercial farming, despite the challenges of inadequate capital and high license fees.
Ernest intends to use the loan to buy land for farming.