Joseph is a 52-year-old married man with eight children living in Kagadi, Uganda. He is a teacher by profession and has been in service for 30 years. He has been able to educate four of his children to university level. In addition to his salary, he grows pineapples, mangoes and other food crops. He would like to educate his other four children and to buy land. Joseph wants a loan to pay school fees for his children.