Helena is 42 years old. She is married and has given birth to four children, who are all in school. She lives with her husband and children in a rented apartment in Kade. Kade is a farming/commercial town in the Eastern Region of Ghana. She is a trader. Helena runs a provision store by the roadside in her community. She has been in business for over ten years and wants a loan to procure more provisions to increase her stock. Helena desires to give her daughter the best education she can afford.