Dorcas is thirty-four years old. She is married and has given birth to two children. Both are in school. She lives with her husband and children in a rented apartment in Axim. Axim is along the coastal area in the western region of Ghana. Fishing is the major occupation of the people. Dorcas is a trader. She trades yams. She buys nearby communities and sells to retailers and food vendors in her community. Dorcas has been in business for eight years and wants a loan to buy yams in bulk.