Augustino is an old client in his fourth loan cycle and applied for a loan of 3,000,000 shillings to buy dairy cows. He is a retired soldier who is now permanently engaged in agriculture .Augustine is a well-behaved gentleman with a wife and eight children, most of whom are at higher institutions of learning. With this loan, Augustino hopes to expand his business and later buy a vehicle for public transport as a way of diversifying his economic activity.
Augustino is involved in the cattle trade and milk and crop husbandry as well. He sells his products to nearby dairy plants and cows are sold to local cattle traders. He is a well-behaved, organised and respected member of the community. Despite all these, he faces challenges of high dependency level because he takes care of many orphans, in addition to competition, dry spells, price fluctuations and limited capital.