Seth O. is thirty-two years old, married, and has three children: two sons and a daughter who are all currently in the junior high and primary schools. He lives with his wife and children in a rented apartment in a town in Ghana called Suhum. Suhum is a busy business centre in the Eastern Region. The majority of the inhabitants are into one particular type of business activity or another. His wife runs a provision store to support him financially.
Seth runs a pharmacy in his community. He buys his drugs from the distributers who come round to supply in vans. He has been in business for over fifteen years and wants a loan to procure drugs in bulk to increase his stock. He is hopeful to give his children the best education.