Chamitha is a three wheeler driver from Damunupola area, who lives with his wife and the baby daughter. He is taking a loan of LKR 30,000 from BMI this year, to repair his vehicle. This is his first loan. He has 7-8 years of experience as a three wheeler driver and this is the only income source of their family. His current income is around LKR 25,000. Chamitha lives with his family in a partially completed house. He is working hard to improve their income so that in future he could buy a lorry, which will earn him a better income than the present. He also wishes to gradually complete his house and make a better future for his family.