Gifty is twenty-six years old. She is single and has no children. She lives alone in a rented apartment in a fishing community in the central region of Ghana. Gifty works hard to be able to provide for herself. She is a baker. She bakes bread and sells it to retailers. She also prepares and supplies pastries to other retailers in her community. Gifty has been in business for three years and wants a loan to procure bags of flour and other ingredients in bulk so she can increase her profit margin.