Augustina is thirty – nine years old. She is divorced and has given birth to one child. She lives with her son in a rented apartment in a town called Dormaa in the Brong Ahafo Region of Ghana. Dormaa is a commercial and farming town. Augustina is a baker. She bakes bread and supplies to other retailers and beverage sellers in her community. She buys bags of flour and other ingredients from Kumasi. Augustina hawks to sell in her community to sell. She has been in business for four years and wants a loan to buy goods in bulk to expand her business.