Kate A. is thirty-five years old. She is married and has five children, three sons and two daughters. Her children are in primary and junior-high school. Her husband is a farmer. Kate lives with her children and husband in a rented apartment in a farming/commercial town called Achiase, near Akim Oda in the eastern region of Ghana.
Kate works as a trader to support her husband and provide for the family. She runs a provision store in the market square. She procures her goods from wholesalers in Oda and other nearby towns. She has been in business for ten years and wants a loan to procure goods in bulk to expand her business. She is hoping to expand her business and give her children the best possible education.