Backstory
Richard and his wife have six children, all in school. Therefore, they must provide tuition for all the children as their education is important to the family. He and his wife also grow and sell vegetables (Irish potatoes, wheat and millet). He would like to increase his crop production and add some domestic animals to the mix. As a businessman, Richard is invested in both a local SACCO and has a bank savings account. (SACCO members put their savings together and provide loans to their own members at reasonable rates). A couple of his goals are to build his own home one day and buy a cow for a source of milk for this family. He makes use of the health talks on the radio as hospitals are a long distance and the roads are poor.