John is a 46 year old married man with nine children. He lives in his own semi permanent house in Fort Portal, Uganda. The responsibility of looking after his family lies solely with him, and his desire is to help his children get a university education. For ten years he has been farming as well as purchasing other people’s tea plantations during the harvest season. This has enabled him to pay his children’s school fees despite the challenges of seasonal changes. His desire is to own at least twenty acres of land. John needs this loan to plant tea.