Stephen is a 34-year-old married man with four children living in Kasese, Uganda. He is a teacher by profession and has been in service for 10 years. He says he has so far achieved his dream of being a teacher. It was his childhood passion, but the only challenge is the meager salary attached. He desires to build a permanent house for residence, buy land to grow crops, and educate his children to attain higher qualifications than his. Stephen wants to borrow money to buy land for growing crops.