Charles is a 30-year-old man living in Fort Portal, Uganda. He is a teacher at one of the primary schools in the area. As a salary earner, his income is fixed irrespective of what he achieves at work; thus, he says he needs to have a side income. His biggest priority is education for his dependants. He is starting a prominent business for increased income generation. He is constructing a commercial house so as to earn extra income to sustain them. This is his first loan from HOFOKAM and he intends to purchase iron sheets and doors for the completion of his commercial house which is now under construction.