Hannah is fifty – nine years old. She is married and has given birth to four children, two sons and two daughters who are all out school. She works very hard to support her husband to provide for the family. She lives with her husband and children in a rented apartment in Oda in the Eastern region of Ghana. She is a trader. Hannah is into palm oil production business. She supplies to retailers in her community. She procures the palm fruits from nearby communities. Hannah has been in business for over twenty – five years now and wants a loan to buy palm fruits in bulk to expand her business.