Collins is a 27-year-old hardworking man living in Fort Portal, Uganda. He works with a micro-finance institution as a credit officer and has been in service for four years. He is challenged by the low salary that he earns which does not enable him to support his family since his parents are out of work. His dreams are to educate his siblings and also to upgrade his own studies. Collins intends to use the loan to pay the fees for his brother at university.