Patrice is a first-time borrower with the institution. He applied for a loan of 1,000,000 shillings, which was granted over a period of 10 months. The purpose of the loan is to buy more coffee and increase his sales. Patrice has been in this business for the last four years and does so alongside other businesses like the sale of bananas and other agricultural products like maize, beans and millet, depending on the season and prices offered on the market. He is a married man with a permanent home, wife and children who help him in running the business. Patrice's problems include poor and unreliable weather, poor means of transport, price fluctuations and limited capital. Patrice hopes that in five years time he will be in a position to buy a bigger piece of land where he will grow more coffee for commercial purposes. Patrice describes himself as an honest and trustworthy person.