Mohammed A. is forty-seven years old. He is married with four children. Three of them have completed senior high school and have been working for a while. The youngest is still in school. He lives with his children and wife in a rented apartment in a fishing community called Aquase, near Cape Coast in the Central Region of Ghana.
Mohammed is a trader. He trades in foodstuffs such as yams, plantain, cassava, etc., and in fruits such as oranges. He buys the goods from the farmers in the nearby small communities at reasonable prices. He treks to other towns to supply his customers. He says food vendors and other retailers are the ones who normally purchase from him. Mohammed has been in business for two years and wants a loan to buy goods in bulk so that he will be able to distribute to more customers.