Atanasi is a 48-year-old, married man. He has four children, all attending school. He is a teacher by profession. He has been in service for 28 years, and he does farming, as a source of additional income. Atanasi likes the profession. He would like to use the loan to pay school fees for his children. Atanasi is hard-working; however, low and delayed salary payments are challenges he faces.