Fred is the head of a family with four children aged thirteen, ten, eight, and four. He is a carpenter in Karuguuza, Uganda and his wife is a health worker. He has been in the carpentry and joinery business for the last fifteen years and he has been able to construct a commercial house from the profits gained.
Fred has been a Hofokam client for two years. Having first worked as a technical teacher, he later opened a carpentry workshop in rented premises but now operates it in his own commercial house. The purpose of the loan is buy more mahogany timber to enable him to produce quality work.