Felicia is a 40-year-old divorced mother of four children who are all in school. She lives with her children in a rented apartment in a farming community in the Western Region of Ghana. Felicia works hard to provide for the family. She is a trader of palm oil. She buys the prepared oil from sellers in nearby communities and then sells it at the local market, and to retailers and food vendors in her community. Felicia has been in business for seven years and wants a loan to buy palm oil in greater amounts.