Jophes is a 39-year-old man married with two children, living in Bundibugyo, Uganda. He is a teacher and has been in service for over fifteen years. His personal goal is to educate his children to attain high qualifications since he is just a certificate holder. He has challenges of low salary which makes it hard for him to at minimum provide the basics for his family, however he plans to start up a piggery project so as to supplement his income. Jophes intends to pay school fees for his children with the loan facility.