Cecilia is thirty-four years old. She is married and has given birth to five children who are all 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 business is the major occupation of the people. Cecilia is a baker. She bakes bread and supplies it to retailers and beverage sellers. She has been in business for eight years and wants a loan to buy bags of flour and other ingredients in bulk.