Grace is 26 years old. She is divorced and has one girl who is in school. She lives with her daughter in a rented apartment in a farming town in the western region of Ghana. She works hard to be able to provide for the family. Grace is a trader. She trades in cosmetics. She sells in a shop by the roadside in her community and she treks to sell. Grace buys the cosmetics from nearby towns. She has been in business for two years and wants a loan to buy goods in bulk so she can expand her business.