Ata Y. is 35-years old. He is married and has three children, two sons and a daughter. The children are in junior high and primary schools. He lives with his wife and children in a rented apartment in a town called Kofiase. Kofiase is a farming/trading community near Dormaa, the district capital, in the Brong Ahafo region. His wife is a seamstress. Ata is a herbalist. From local herbs, he manufactures ointments and concoctions which he distributes to drug store operators in his community. He also hawks and treks to other towns to sell his products. He procures his raw materials from Dormaa, the district capital. Ata has been in business for seven years and is requesting a loan to procure raw materials in bulk. He is hopeful to expand his business and give his children the best of education he can afford.