Tom is a 39-year-old married man with five children. He owns a house in Kasese, Uganda. Tom has been buying and selling produce for the last 13 years. He started his business in his village with capital of 500,000 UGX, but when the business expanded, he shifted it to town. His biggest business challenge is fluctuation in coffee prices. His vision is to expand his business, set up a business for his wife, build another residential house and educate his children. Tom is requesting a loan to purchase coffee for resale.