Faustina is thirty – four years old. She is married and has given birth to one child who is in school. She lives with her husband and son 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 in her region. Faustina is a food vendor. She prepares and sells rice with stew. Faustina sells in a stall by the road side. She has been in business for six years and wants a loan to buy bags of rice and other ingredients in bulk.