Agnes is 44 years old. She is married and has given birth to three children who are all still in school. She lives with her husband and children in a rented apartment in a farming/commercial town in the Brong Ahafo Region of Ghana. She is a trader. Agnes is into cosmetic sales. She sells at the market square and hawks to sell in her community. She treks to other towns to sell on their market days as well. Agnes has been in business for nine years and wants a loan to buy more cosmetic goods to increase her stock. She aspires to give her children a good education.