Joyce is 33 years old. She is married and has three children, all in school. She lives with her husband and children in a rented apartment in a farming town in the western region of Ghana. She works hard to support her husband to provide for the family. Joyce is a trader. She trades in printed textiles. She sells in a shop by the roadside in her community and treks to sell. Joyce buys the textile goods from nearby towns. She has been in business for four years and wants a loan to buy goods in bulk so she can expand her business.