Thomas lives in Uganda, is 33 years old and is applying for this loan to buy items to sell in the clothing shop he runs in the town of Kyenjojo. It's important for him to buy new items now, because business in his shop always picks up before and during the Easter season. Thomas is married and has six children. He lives in a home which he shares with nine people who he also cares for, and dreams of buying land so that he can run a tea plantation and provide all of his children with a good education. His wife makes a living by running a hotel.