Rodolfo, 50 years old, lives in the mountainous region of Isabela. He has been engaged in the farming business for 35 years. His father taught him to manage their farm when he was young. Now he has adopted his father’s knowledge about how to have good production of his crops. Rodolfo is asking for a loan of PHP 16,000 to buy fertilizer and seed for his farm to have additional income to sustain the needs of his family.