Zakaliya is a thirty-seven-year-old man. He is married with four children and five dependents. He lives in Bundibugyo Uganda. Zakaliya deals in the motorcycle transport and cocoa businesses through selling to his customers. He also sells cocoa from his garden. He has been operating these businesses for fourteen years in Bundibugyo town council. He wishes to develop his home and family. However, he is challenged with the off season and not getting high profits. Zakaliya has asked for a loan to buy more cocoa to sell.