Leo, 29, is a hardworking man with one child, age four, living in Fort Portal, Uganda. He works in a bank. With his salary, he has been able to buy land, where he has planted tea. He has challenges because of price fluctuations, his low salary, and limited land for expansion. Notwithstanding all the challenges, he intends to buy more land and expand the tea plantings, build a house, and extend his studies. Leo intends to use his loan to buy more land for growing tea.