Wilson is a 41-year-old married man with three children living in Kasese, Uganda. He has been a teacher for seventeen years. Wilson has profitably been able to use his meager salary to buy land and to pay school fees for his children, one of whom has now graduated from university. He also has a retail shop to supplement his salary. Wilson faces hardships of customers not paying on time, a low salary, price fluctuations and inflation. His personal goals are to educate his children and to build a permanent home; his business goal is to expand into new markets. Wilson is requesting a loan to buy building materials for construction for his house.