Mary F. is 60 year old married woman with four children. All of her children are currently working. She lives with her family in Twifo which is located in the central region of Ghana. For the past two years, Mary has been baking bread and other pastries in order to provide fore her family. She bakes sugar bread, wheat bread etc and retails her pastries to her customers. She makes sure her that the quality of the food meets her customer’s expectations. Her customers book their order in advance and before they arrive at her stand their order is ready. She also retails pastries to individuals for their morning breakfast through hawking which is house to house selling. The price of commodity is increasing which is making it difficult to buy more raw materials from the market. Mary needs the loan to buy more bags of flour, sugar, margarine, milk and firewood to supply her stand.