Emmanuel is thirty-two years old. He is married and has four children all of whom are in school. He lives with his wife and children in a rented apartment in Takoradi, a coastal town where fishing is the main occupation of the majority.
Emmanuel is an electronics repairman. He repairs all kinds of faulty electronic gadgets such as radios, televisions, etc. He has his shop by the roadside in his community.
Emmanuel has been in business for twelve years and wants a loan to buy many spare parts to service his clients’ jobs.