A bountiful harvest requires a farm to be well fertilised and irrigated before planting. Sim has three children with her construction worker husband. So to assure a good yield, it’s essential their crops get the best start possible. Sim (38) seeks a loan to buy fertiliser that will deliver a solid result in a few months’ time. She believes that with these seasonal inputs, she will have a good harvest that will maintain the family’s subsistence living.