Francis E. sells CDs, VCDs, and cassettes. He sells in a store at the market square. Francis buys from Kumasi. He is 27 years old, single, and has no children. He lives alone in a rented apartment in Goaso in the Brong Ahafo Region of Ghana. Goaso is one of the busiest business centres in the region. He has been in business for three years and wants a loan to buy goods in bulk. He is hoping to expand his business and increase his profit margin.