Rebecca A. is sixty-five years old. She is married and has six children. Currently, all her children are out of school and independent. Rebecca’s husband is a farmer. Rebecca, her husband, and two grandchildren live in the family home, in the town of Oda, in eastern Ghana. Most of the people of Oda are either farmers or sell agricultural products. Very few people have non-farming businesses.
Rebecca is a baker and also sells in second-hand clothing. She buys fabric and second-hand clothes, including bed linens and men's and women's clothing, from Kumasi, a nearby city. She sells these items from a stand in the Oda market square. She also travels to nearby markets to sell her wares. Rebecca has been in this business for thirty-five years now and is asking for a loan to increase her working capital so that she can buy fabric and clothing in bulk.
She believes the loan would help her to expand to other market centers and eventually help improve her family's standard of living. She is a member of the “Ntoboase” Trust Group. Members in this group guarantee each other's loans and support each other in handling their repayment.