In summer, the trader collects about 2 tonnes of milk per day from households and 400-500 litres of milk per day from his own farm. He delivers the milk to the local processing plant every day, his contract with the plant is for milk delivery only. To store milk, he has two cooling tanks that hold 2 000 and 800 litres respectively. All equipment and vehicles were bought at his own expense because he does not want to rely on banks or government leasing programmes. The processing plant gives loans at a zero interest rate and offers cooling tanks for free, but the interviewee prefers to have his own cooling tanks.