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