Augustine is a 52-year-old married man living in Fort Portal, Uganda. He is a hardworking man involved in a number of ventures, which include a retail shop, a dairy and farming. His business is located in a market, thus attracting many customers. Like most responsible fathers, he wishes to educate his children to attain university degrees. His business dreams are to expand to new markets and own a wholesale shop, despite the challenges of price fluctuations and inadequate capital. Augustine is requesting a loan to buy sugar and rice to sell.