Mariama is a 46-year-old widow with five children who are all in school. She lives with her children in a rented apartment in Axim. Axim is on the coast in the Western Region of Ghana. Fishing is the major occupation of the people. Mariama sells millet. She buys bags of millet and supplies retailers and beverage sellers in her community. Mariama has been in business for five years and wants a loan to buy bags of millet in bulk so she can meet the increasing demands of her clients.