Karija O. is thirty-eight years old. She is married and has five children. The children, two sons and three daughters, are all currently in school: senior high, junior high and the primary schools. She lives with her children and husband in a rented apartment in a commercial town, called Dwenase, in the Western Region. Dwenase is a suburb of Sefwi-Wiawso, the district capital. Karija is a food vendor. She prepares and sells rice and stew. She sells from a tabletop stall, at the lorry station, in the mornings. She wants a loan to buy bags of rice and other ingredients in bulk. Karija buys her goods from nearby communities and from Kumasi city. She has been in business for two years. She aspires to expand her business and to give her children a good education.