Rapheal is a 41-year-old man who is married with five children aged from 2 to 17 years. He looks after his aged mother and his wife runs a small business of her own. He lives with his family in his own home in Hoima, Uganda.
Rapheal wishes in future to have a family that is self-reliant without loans. He is currently into a timber business and has been in it for ten years. He has a certificate in carpentry and joinery. He at first was working with the diocese and then saved to start his own business.
Rapheal faces the hardship of creditors who end up defaulting on payment. He wants his business in future to be a full carpentry shop with machines. He wants a loan to purchase timber for his carpentry business.