Faustina is thirty-two years old. She is married and has two children, both 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. Faustina 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. Faustina hawks items in her community. She has been in business for seven years and wants a loan to buy flour and other ingredients in bulk to expand her business.