Titus is a thirty-two-year-old married man with two children living in Kasese, Uganda. He is a teacher and has been in the profession for eight years. With his salary savings he has been able to set up a retail shop so as to meet the daily expenses since his salary is monthly. Price fluctuation and unfavorable working conditions are his greatest challenges, while his goal is to become self employed by starting a company and constructing a residential house. Titus intends to use the loan to buy construction materials such as poles and cement to sell.