Richard is a 42-year-old married man living in Fort Portal, Uganda. He has a personal dream of educating his children to attain degrees up to the university. He has been a farmer for the last 10 years and is facing a hardship of unpredictable weather conditions, which makes it hard to maintain the output of the farm yields. He has a vision of expanding his business to new markets and increasing his milk production by buying more cows. Richard needs the loan facility to buy cattle for rearing.