Mohammed is thirty – eight years old. He is married and has given birth to six children, four sons and two daughters who are all still in school. He works very hard to be able to provide for the family. He lives with his wife and children in a rented apartment in Oda in the Eastern region of Ghana. Mohammed is a trader. He trades in cereals such as beans, maize, etc. He sells in his community and also supplies to other food vendors. Mohammed procures the goods from nearby communities. He has been in business for over ten years and wants a loan to buy cereals in bulk to expand his business.