Sophia N. is twenty-seven years old. She is single and has no children. She lives alone in a rented apartment in a commercial town called Dwenase, in the Western Region. Sophia is a professional hairdresser. She has three apprentices who are currently in training. Her shop is located by the roadside. She buys her working materials, such as artificial hair, shampoo, pomade, cream, lotion, etc. from Kumasi. Sophia has been in business for six years and wants a loan to buy products in bulk to be able to render quality services to her cherished clients. She aspires to expand her business and to improve upon her standard of living.