John is a 33-year-old married man with two children. He lives in a semi-permanent house in the district of Kyenjojo, Uganda, with the eight people he takes care of. He is a produce trader, a business in which he has been involved for ten years, having begun with 600,000 UGX that he had saved. He now boasts of a capital of 6,000,000 UGX. John wants to educate his children and build a permanent house. He is requesting a loan to buy maize produce for resale.