Serapio is 42 years old and married. He lives in Kyenjojo, Uganda. He has been selling cement for 10 years on a retail basis, which has enabled him to educate his children, two of whom have completed University. Serapio started his shop with the savings he had earned as a part-time teacher in his village school.
Serapio is requesting a loan, which he will use to buy cement. Price fluctuation and customers not paying on time are his major hindrances; his dream is to own a wholesale shop.