David is 51 years old and married, with seven children. For 10 years, David has been working as a farmer and he started out by digging using a hand hoe for domestic purposes, but now he is farming on a commercial scale and even can afford to hire a tractor. He faces challenges of high inflation and bad weather patterns. He wishes to educate his children and also to buy more land for farming. He needs this loan to buy millet and beans for planting.