Theresa is forty-two years old. She is married and has given birth to four children who are all in school. She lives with her family in a rented apartment in a fishing community in the central region of Ghana. Theresa works hard to help her husband provide for the family. She trades in utensils. She buys from Accra and hawks to sell in her community. She travels to sell as well. Theresa has been in business for over ten years and wants to increase her stock. It is her desire to give all her children a good education.