Charles is a thirty-eight year-old hard working man with five children living in Kasese, Uganda. His personal goals are educating his children, buying a car, and building a permanent home. He has been a farmer for the last three years; the major hardships are seasonal weather and inadequate capital to purchase farming equipment. However, he has a vision of diversifying his farming business to include hiring employees to help expand the the farm, and buying more cattle. The purpose of the loan is to buy cattle for rearing.