Joyce is 29 years old. She is married and has a daughter who is in school. She lives with her husband and daughter in a rented apartment in Kade. Kade is a farming/commercial town in the Eastern Region of Ghana. Joyce is a trader. She runs a grocery store by the roadside in her community. She has been in business for five years and wants a loan to procure more provisions to increase her inventory. Joyce desires to give her daughter the best education she can afford.