Samuel is a 36-year-old man. He is married but currently has no children. He lives with his wife, who is also a fish seller, in a rented apartment in their community. He trades in fresh fish, a business he has done for four years now. He takes stock of fresh from Kumasi and supplies to his customers. He said he buys on credit occasionally because he does not have enough money to buy from the suppliers. He has a larger market share since he started the business. He needs the loan to buy a bulk supply of fresh fish from the market. He requests for a loan to buy a fridge, and more fish to increase his stock of fish. This, he believes, will help him save much to support his family.