Jacob is fifty-one years old. He is married and has six children, a son and five daughters, who are all in school. He works very hard to be able to provide for the family. Jacob lives with his wife and children in a rented apartment in Konongo in the Ashanti region of Ghana. He sells tents and umbrellas. He rents them out and also mends damaged canopies in his community. Jacob wants a loan to buy working materials like tarpaulin, etc. to expand his business. He has been in business for over fifteen years.