Alhaji is thirty – six years old. He is married and has given birth to three children, all in school. He lives with his wife 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. He is a trader. Alhaji trades in maize. He buys bags of maize from nearby towns and supplies to food vendors and retailers in his community. He also deals in livestock. Alhaji has been in business for over ten years and wants a loan to buy goods in bulk.