Elizabeth T. is fifty-six years old. She is married and has two sons. Both of them have completed senior high school. She lives with her children and husband in a rented apartment in a fishing community called Aquase, near Cape Coast in the Central Region of Ghana.
She works hard to make some income to help her husband provide for the family. Elizabeth is a trader. She trades in all kinds of minerals and drinks – malt, coke, fanta, etc. She buys the minerals from the wholesale dealers in the regional capital, Cape Coast, and sells in the community market. She owns a shop in which she sells her products. Elizabeth also sells plastic products. She has been in business for five years and wants a loan to buy her products in bulk.