Wilson is a 49-year-old married man with four children living in Kasese, Uganda. Ten years ago he decided to set up a retail shop in order to supplement his farming activities, which are seasonal and unpredictable. Price fluctuations and unpredictable weather changes affect his projected profits. His dream is to trade in wholesale, venture into modern farming, and pay school fees for his children. Wilson intends to use the loan to pay school fees for his children.