Herbert is a 30-year-old hardworking-honest married man blessed with 2 children and live in Fort portal,Uganda. He is a teacher by profession but also operates a retail shop in order to meet his family's daily expenses. He was inspired to the profession because it is permanent and pensionable by government. Low salary and price fluctuation are his hardships while his dream is to become a school headmaster. Herbert intends to use the loan to buy land for farming and general merchandise such as soap and sugar to sell.