Robert is a 35-year-old Ugandan who hails from Kyenjojo district in Uganda. He deals in timber sales and is married with 3 children, ages 7 through 13, living in his own permanent house. He faces a problem of fuel prices that leads to high costs of operation. He has been in this business for 10 years, having gotten his initial capital from the sale of tea which he still grows. Robert intends to use the loan to buy timber for resale.