Afia is twenty-eight years old. She is married and has given birth to three children, all of whom go to school. She lives with her husband and children in a rented apartment in a busy commercial town called Ejura in the Ashanti region of Ghana. Afia is a trader. She runs a cold store in her community. She procures fresh fish and meat from big cold storage places in nearby towns. Afia supplies to food vendors and retailers in her community. She has been in business for four years and wants a loan to procure cartons of fresh fish and meat in bulk. Afia is hopeful of improving upon her standard of living and wants to give her children a good education.