Charles is 24 years old living in Masindi, Uganda. He is married and charged with a responsibility of looking after his two children. He is in the transport business, specifically motorcycles, and with the proceeds he has been able to provide the basics to his family. He desires to educate his children, expand his business into new markets, and diversify it to include cattle rearing. High fuel and transportation costs affects his business. Charles intends to use the loan facility to buy cows for rearing.