Wilson is a forty-year-old man with seven children, five of whom attend school. He is living in Bundibugyo, Uganda. He is a farmer who grows mainly cocoa. In order to meet the daily expenses of his family he decided to set up a retail shop, since cocoa is seasonal. Unpredictable seasonal weather and price fluctuations affect his growth, while his desire is to trade in wholesale. Wilson intends to use the loan to buy general merchandise such as sugar and salt to sell.