You are Root Capital, and your prospective investor is a multilateral development finance institution (e.g,. World Bank, African Development Bank) that wishes to invest in coffee and cocoa agricultural businesses in Africa. They want to provide capital where commercial banks are not willing to provide loans, which are considered "medium additionality" and "high additionality" loans. They are willing to invest up to $5 million in debt (i.e., total loan portfolio amount) and provide $250,000 in grant funding (i.e., cover up to $250,000 of negative total expected net income) to do so.

What is the best portfolio of 20 loans you can create to meet their expectations, where "best" is defined as highest "Expected Net Loan Income"?

	a.	Expected total income of negative $328,137 and negative 6% return.
	b.	None of these.
	c.	Expected total income of $6,160 and 0% return.
	d.	Expected total income of negative $239,012 and negative 5% return.