Ernest A. is married and has three children. He has a senior high school education. Ernest sells mineral water, which he distributes to the retailers. Due to the perception that the water which runs in the taps is impure, people prefer to buy the mineral water which is popularly called 'Pure water' at Adisadel near Siwdo. He has done this since 2002. His wife is a trader. Ernest uses his income to pay for his children's school fees and his utility bills. Ernest will use the loan to purchase more bags of mineral water to meet the increase in demand by his customers. With the new profits from his expanded business, Ernest plans to start a building on his piece of land.