Agnes is thirty – two years old. She is married and has give birth to three children, all in school. She lives with her husband and children in a rented apartment in a town called Dormaa in the Brong Ahafo Region of Ghana. Dormaa is a commercial and farming town. Agnes is a trader. She trades in foot wears. She buys all kinds of foot wears from Kumasi. She hawks to sell in her community and also treks to nearby communities to sell. Agnes has been in business for two years. She wants a loan to buy goods in bulk.