Mary is fifty – six years old. She is divorced and has give birth to two children, both in school. She lives with her 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 provision and other food items. She sells in a store by the road side in her community. She buys her goods from nearby towns. Mary has been in business for over twenty years and wants a loan to buy goods in bulk to expand her business.