Cecilia is fifty-three years old. She is divorced and has given birth to four children, two sons 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. She lives with her children in a rented apartment in Dunkwa in the Central region of Ghana. Cecilia is a trader. She trades in sewing accessories such as thread, needles, linings, etc. She buys her goods from Kumasi. She also hawks and treks to sell. Cecilia has been in business for five years and wants a loan to buy goods in bulk to expand her business.