Charity is forty years old. She is widowed and has given birth to three children, one son and two daughters. All of her children are still in school. As a single parent, she says she works very hard to be able to provide for the family. Charity lives with her children in a rented apartment in Dunkwa in the Central region of Ghana. She is a trader. She trades in textiles - clothes, underwear, dresses, etc. She buys her goods from Kumasi and sells at the local market. Charity also hawks and treks to other towns to sell. She has been in business for over twenty years and wants a loan to buy goods in bulk to expand her business.