Esther is 48 years old. She is widowed and has given birth to five children, all daughters and all in school. She is a hardworking woman. She lives with her children in a rented apartment in Konongo in the Ashanti region of Ghana. Esther is a trader. She trades in jewels. She hawks and treks to other communities to sell. Esther procures her goods from Kumasi. She has been in business for two years and wants a loan to buy jewels in bulk to expand her business.