Robert is a hard-working married man with three children living in Fort Portal, Uganda. He a teacher by profession and has been a teacher for 16 years. With the salary savings, he has been able to buy land and start construction of his residential house despite challenges of inadequate capital. He is determined to change his future and that of his children through education while his business plans are to set up a retail shop to meet his family's daily expenses. Robert intends to use the loan to buy construction materials such as iron sheets and bricks to complete his house.