Williams A. is 41 years old. He is married and has three children, all girls. He says two of the children are currently in the primary school. The youngest is yet to start. He lives with his wife and children in a family house in a town called Kofiase. It is a farming/trading community near Dormaa, the district capital, in the Brong Ahafo region. Williams' wife is a trader.
He is also into trading. He deals in all kinds of baking ingredients such as flour, margarine, etc. He sells in a store in his community. Williams supplies the majority of the bakers in his community. He wants a loan to procure bags of flour and other materials in bulk. Williams has been in business for two years. He hopes to improve his standard of living and give his children a sound education.