Sedrack is a 30-year-old government employee who works as a school teacher. He has been doing this for nine years. A father to four children, he is married and lives in Kagadi, Uganda. He was inspired to go into the teaching profession by family members. He operates a retail produce shop in order to supplement his low salary. Like all good fathers, he dreams of educating his children to the university level. He also wants to set up sustainable income-generating activities to supplement his income. Sedrack intends to use the loan to buy maize and beans to sell.