Richard is a forty seven year old hardworking man. He is married with five children and lives in his own house in Fort Portal, Uganda. He has a desire to educate his children to attain bachelors degrees. For ten years he has been farming and with this business he has been able to buy land. However he is faced with a challenge of price fluctuations of his produce which limits his profits. Richard needs the loan to buy spraying chemicals for his tea plantation.