Cecilia is 30 years old. She is married and has three children who are 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. Cecilia is a trader. She trades in stationery materials. She hawks to sell in her community and she treks to sell. Cecilia buys goods such as notebooks, diaries, pens, etc. from nearby towns. She has been in business for over 10 years and wants a loan to buy goods in bulk so she can expand her business.