Rita is twenty – five years old. She is married and has given birth to two children. Both are currently in school. She lives with her husband and children in a rented apartment in Wiawso in the Western Region of Ghana. Rita is a hairdresser by profession. She has a workshop by the road side in her community. She says she has four apprentices under training. Rita has been in business for five years and wants a loan to buy artificial hair and other working materials in bulk to expand her business.