Richard is a 23-year-old man, looking after his siblings. He lives in Fort Portal, Uganda. He owns a permanent house and lives with six family members. His dream is to educate his siblings to have better qualifications. Richard is a motorcycle rider and has been in the business for four years now. He has the challenges of irregular customers and fluctuating fuel prices. He needs this loan to buy an improved model of motorcycle that is appropriate for the region of his transport business.