Mary is twenty – five years old. He is married and has given birth to four children, all in school. She lives with her husband and children in a rented apartment in a town called Wiawso in the Western Region of Ghana. Wiawso is a commercial and farming town. Mary is a trader. She trades in textile materials such as silk, wool, linen, etc. She supplies to tailors and dressmakers in her community. Mary has been in business for three years and wants a loan to buy textile materials in bulk.