Amos is a 66-year-old married man who lives in Bundibugyo, Uganda. He has been in the cocoa business for some time, and also gets a pension from government. With the money he earns, he has been able to buy land to expand his farming activities. Like most responsible fathers, he wants to educate his children to the university level and build a good house. Unpredictable weather and price fluctuations affect his business, but his dream is to become one of the leading cocoa producers in his area. Amos is requesting a loan to pay his children's school fees and hire workers to prune his land.