Fred, 50 years old, is a widower who lost his wife in 2012. He comes from rural Kasozi Eastern Division - Rukungiri District.
Fred has been with UGAFODE Microfinance Limited ('Ugafode') for the past five years. He had been running a retail shop in Rukungiri central market, but he changed to a timber sales business after losing his wife, to get more time to attend to the orphans. Now he is taking this loan to add into his timber business.
He thanks Ugafode for always being at his side, to give him the financial support to meet his financial obligations.