Sekou M. is a photographer. He takes photographs of clients who call for his services at functions like parties, ceremonies, etc. He has been in business for fifteen years. He is 45 years old, married and has four children – two daughters and two sons. All are currently in senior high, junior high and primary schools. His wife is a food vendor. He lives with his wife and children in a rented apartment in Goaso in the Brong Ahafo Region. Goaso is one of the busiest business centres in the region. Sekou wants a loan to buy cameras, film, etc. Sekou is hoping to give his children a good education.