Nancy is twenty years old. She is married and has given birth to three children who are all 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. Nancy is a trader. Her business is local soap production. Nancy prepares the soap out of soda, palm oil, and other ingredients, supplying it to retailers. Nancy has been in this business for ten years and wants a loan to buy soda and other soap manufacturing ingredients in bulk.