50-year-old Sarah is a widow and mother of four children who are all currently in school. She lives with her children in a rented apartment in a coastal community that is popular with tourists in the central region of Ghana. The main occupation of the people is fishing. Sarah is a trader. She trades in hardware such as bags of cement, roofing sheets, etc. She sells in a store by the road side in the community. Sarah procures her goods from Accra, the country's capital. She has been in business for ten years and wants a loan to buy goods in bulk to increase her stock.