Mary is a sixty-two-year-old woman. She is a widow and has six children. All six have completed school and are currently working. She prepares and sells pastries to the working community and at bus stops in her community. She wants to use the loan to buy more flour, margarine, vegetable oil, etc. to increase her stock to avoid price hikes. This, she believes, will decrease her cost very significantly to enable her to raise good income to support her grandchildren.