Jofesi is a 44-year-old married man with six children, all of whom attend school. He has worked as a teacher for 21 years and is on the job ten hours a day. In his free time, he farms some land to supplement his income. In his work, he is inspired by the fact that he likes young children and wants to contribute to their development. Because the low salary that he earns hardly meets his needs, he now intends to start up a retail shop. Jofesi is requesting a loan to buy sugar and rice to sell in his shop.