Robert is a third-time borrower at UGAFODE Microfinance Ltd (MDI). In the first and second cycle, he took a loan of 1,000,000 UGX and 500,000 UGX respectively. He paid well and on time. He is a married man of three children all studying in elementary school. His main source of income is riding a motorcycle that is owned by someone else; this has enabled him pay school fees for children and pay rent on his house. He applied for the loan to purchase a new motorcycle that will be his own and help him enhance his daily income. He also wants to purchase a piece of land in the near future. He hopes he will be able to build a residential house on it to house his family. In the photo is Robert with the Ugafode staff (left-right).