Emmanuel is a 32-year-old married man with three children, living in Kyenjojo in Uganda. For the past eight years he has been growing bananas for commercial purposes. He accumulated capital from selling maize and beans and bought land, which he is currently farming. He faces the problem of seasonal weather changes, theft, high fuel and transportation. He has a personal goal of buying a car for easy transportation, and a business goal of buying land to expand his banana plantation. Emmanuel needs the loan to buy land to expand his plantation.