Agnes is forty – five years old. She is married and has give birth to six 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 food vendor. She sells kenkey and serves with pepper. She sells on a table top by a road side in her community. She also hawks to sell second hand clothes. Agnes buys bags of maize and other ingredients from nearby towns. She has been in business for over fifteen years and wants a loan to buy goods in bulk to expand her business.