David is married with 4 children, 2 are in primary school. He started business 3 years ago and he received first loan of $ 143 from Pemci which he paid very successfully. He has requested for a second loan of $450 to enable him buy more cattle for trading during the festive season. He also supplies the local community with meat and milk. The income from this business has enabled him to support his family and purchase more land. He is planning to build rental houses in future.