Janet is thirty – three years old. She is married and has give birth to four 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. Janet is a trader. She trades in second hand clothes. She buys her goods from Sunyani. Janet hawks to sell in her community and also treks to nearby communities to sell. She has been in business for two years and wants a loan to buy goods in bulk.