Richard is a 33 year old man married to a primary school teacher looking after five people in his home stead. He dreams of constructing a modern home for his family. His business interests are butchery and car washing in Fort Portal Uganda. He has ten years of experience in butchery and four years in car washing. Before doing all that, he was a luggage carrier in Kampala, Uganda’s capital city. He then worked in some one else’s butchery before starting his own using small credit. He believes with more credit from Hofokam he will be able to transform his car washing bay into a modern one. The purpose of this loan is to buy cows for his butchery for selling as beef.