Hanna M. is 52 years old and an unmarried mother of one child. Her child is currently working. She lives in the central part of Ghana, where there are lots of tourist attractions such as Kakum, park, castles etc. And this has drawn many foreigners into the country to have a feel of them. Hannah became single a long time ago when her husband left her. She is now old but walks and does her things very actively just like a teenager. To support her child, she has been hawking and trading in cosmetics sales in her neighborhood to her loyal clients. She says selling cosmetics is very lucrative. Therefore, she wants to expand her inventory to enable her to make a good income so she can open a store. It is her heart's desire that with the loan she can make a tremendous business transformation. Hannah belongs to a village bank called ‘Independence’.