Roshan Pal is a hardworking man who lives in Niwari. With this loan, he will be able to buy a buffalo to expand his family's livelihood. He is a trustworthy man who knows how to work hard and can be relied on to deliver on all his responsibilities. The loan will also be used to buy fodder for his livestock. Animal husbandry is a lucrative business. Milk is delivered daily to the local dairy which pays in cash and is a ready income. Roshan intends to generate substantial revenue from this.