Peter, age 33, is a married man who has three children, ages 4 to 12. He lives in Kagadi, Uganda. He owns a bar. He got start-up capital for the bar by saving money he had earned from a cattle trading business that he still runs. He describes himself as a hard-working man, whose ambition is to better his life and those of his children, by educating them up to the University despite the fact that he did not finish college. Price fluctuations and high license fees hinder his business. His dream is to own a big bar in the city. Peter intends to use the loan to buy beer, soda, and spirits to sell.