Augustina S.-Boakye is forty-six years old and married with four children, two sons and two daughters. All are currently in school - senior high, junior high and primary school. She lives with her husband and children in a rented apartment in a commercial town called Dwenase in the Western Region. Dwenase is a suburb of Sefwi-Wiawso, the district capital. Her husband works at the local government hospital. Augustina manufactures and sells local soap called ‘Alata soap’. She sells from a table top at the market square and also supplies other retailers. She wants a loan to buy ingredients such as soda and palm oil. Augustina has been in business for ten years and hopes to expand her business and to give her children a good education.