Patrick is a 38-year-old man living in Fort Portal, Uganda. He is married and his wife is a peasant farmer. They have eight children and so look after a family of ten people. Patrick operates a butcher shop and has been in the business for the last 20 years. He adds that in his business, capital is ever an issue depending on demand for beef. Patrick intends to use the loan proceeds to buy goats to sell as meat at his butcher shop.