Arnest is a 47-year-old married man with eight children living in Kasese, Uganda. For 20 years now he has been teaching and he was inspired into service by his desire to serve his country,. Like most government employees, he is dissatisfied with the low salary he earns. His dream is to educate his children up to the University and see them work with reputable organizations. Arnest intends to use the loan to pay school fees for his children.