Kwadwo is fifty-two years old. He is married with two kids aged four and one. He operates a pharmaceutical shop in his neighborhood and sells various kinds of drugs like blood tonic, pain killers, and malaria drugs. Many local people patronize his pharmacy for first aid drugs and cures when they are sick. He wants to use the loan to increase his supplies of drugs to include others that are frequently requested by his customers. He hopes to raise a good income to take care of his family.