Rebecca is thirty-six years old. She is married and has given birth to three children, all of whom are in school. She lives with her husband and their children in a rented apartment in Axim. Axim is along the coastal area in the western region of Ghana. The fishing business is the major occupation of the local people. Rebecca is a trader. She trades in pastries. She bakes and fries meat pies and supplies to retailers and beverage sellers. Rebecca has been in business for ten years and wants a loan to buy bags of flour and other ingredients, in bulk.