The thinking of many Ugandans today is that those employed formally are missing out on the opportunity of income from business ventures, and many of them are beginning to have side incomes to supplement their salaries to make ends meet. Evarist falls in that category. Evarist is 39 years old and married with one child. He is a teacher living in Fort Portal, Uganda with five dependents. The purpose of this loan is to enable him to buy land for commercial building construction.