B. Fred Kyoma is from Rukungiri. He is 59 and married with eight children and is involved in growing and selling matooke with his wife. He operates from Kanyamuhe village. Through hard work, he is able to make 150,000 UGX in monthly profits. He is also involved in the sale of coffee to the coffee factory in his area and this supplements his income. He needs a loan to improve his plantation by applying manure.