Henry is a 32-year-old government employee who works as a primary school teacher. A father to three children, he is married and lives in Kagadi, Uganda. He has been in this profession for 8 years. He was inspired to the teaching profession by his desire to teach. He has a produce business to supplement the low pay from his salary and has a plan of building rental houses to earn an extra income. John intends to use the loan to buy cement and iron sheets to complete his commercial house.