John, 43 years old, is married and has 4 children. His primary source of income is agriculture, particularly the coffee trade. John has applied for a loan of 3,000,000 UGX to buy fertilizers for his coffee shamba (field for growing crops). This will enhance his yields since the soil in his area is not fertile enough. John anticipates a double yield from his coffee sales next season. He plans to pay off the loan and apply for more money. John also plans to start a small business for his wife so as to supplement their household income.