Grace K. is 32 years old. She is married and has two children – one daughter and one son, both of whom are currently in primary school. Grace lives with her children and husband in a rented apartment in a commercial town called Suhum in the Eastern Region of Ghana. Grace and her husband both work to provide for the family. Her husband is a teacher by profession and she is a trader. She sells polythene bags of all kinds and sizes. She buys the bags from Accra and hawks them in her community. Grace says she also distributes some to other retailers in her community. She has been in business for four years and wants a loan buy polythene bags in bulk so she can increase her stock. Grace is hopeful to sponsor her children through school.