Robert is a 24-year-old man, married with 2 children. He is a former street kid who has never seen his parents. Due to his difficult upbringing he had to think of how to make a living early in life, he hence started the business of selling charcoal. From his hard work he has managed to get on fairly well with his life. His business has grown and thus the need to add more capital. He is now requesting a loan of 1,000,000 UGX to buy more charcoal for his business. His desire is to grow his business, earn more money and make a better life for his family.