Janet A., forty years old, is a married woman with four children. Janet enjoys selling from which she obtains her daily source of livelihood. She is a petty trader who supplies margarine to bakers in her community and other customers in other parts of the country. She has been in business for some time now and, with good customer relations, she has won many customers.
However, Janet buys her supplies on credit at a relatively high price due to lack of adequate working capital. With this loan, she wants to purchase margarine in bulk to serve her customers.