Robert K. is married and has four dependants. He has received schooling through junior high. Since 1999, Robert has been a radio mechanic at Kakasi near Elmina. His wife is a trader. Robert uses his income to pay for the children's school fees, rent, utility bills and other financial expenses. Robert will use the loan to purchase more and better tools and equipment to enhance his repair work. Robert plans to reinvest the new profits from his expanded business.