Agnes is 57 years old. She is married and has given birth to seven 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. Agnes is a trader. She trades in pastries. She supplies retailers and snack bar operators in her community. She sells food (rice and stew) as well. Agnes buys her goods from nearby towns. She has been in business for over six years and wants a loan to buy bags of flour and other ingredients in bulk to expand her business.