Patu is a 38-year-old married man with eight children. For the past eight years, he has operated a retail shop. He started the business with money he got from farming, which was his original business. He faces problems of price fluctuation and inflation, which hinder the profits he is able to make. His primary wish is to have his children educated and to see his business expand. Patu wants a loan to buy salt, sugar, and soap for resale.