Esther is a 38-year-old married woman with three children, all in school. She lives with her husband and children in a rented apartment in a town called Kade in the Eastern Region of Ghana. She works to help her husband provide for the family. She is a trader. Esther trades in palm nuts. She buys the fresh palm nuts from nearby communities and supplies to food vendors and palm oil producers in her community. She also sells at the local market. Esther has been in business for five years and wants a loan to procure palm nuts in bulk to expand her business.