Joyce is forty-three years old. She is married and has two children who are both in school. She lives with her husband and children in a rented apartment in a busy commercial/farming community called Goaso in the Brong Ahafo Region.
Joyce is a trader. She trades cereals, especially maize. She supplies food vendors in her community and sells at the market square. Joyce also travels to other towns to sell on their market days. She buys her goods from nearby towns. Joyce has been in business for five years and wants a loan to buy goods in bulk.