Ngobi is a sixty-one year old man with five children, living in Bundibugyo, Uganda. He is a farmer and is also employed as a records officer by the local government. He began the business in order to improve his household income. He has a dream of venturing into modern farming, so as to cope with the ever-changing planting seasons. Like all responsible fathers, he desires to educate his children up to the University level and to set up sustainable income-generating activities for them. Ngobi intends to use the loan proceeds to pay school fees for his children.