Mene K. is 38 years old, divorced and has a son who is in junior high school. She and her son live in a rented apartment in a town called Dwenase in the Western Region of Ghana. Dwenase is a suburb of Sefwi-Wiawso, the district capital, and is a commercial and farming center. Mene is a trader who sells electrical goods such as rice cookers, stoves, blenders and other items. She sells in her community and in nearby towns. Mene has been in business for 12 years and is applying for this loan to buy items in bulk to sell to her custoemrs.