Rosemary is forty one years old. She is widowed and has three children who are all in school. She lives with her children in a rented apartment in a fishing dominated community in the central region of Ghana. She is a trader. She trades in printed fabrics. Rosemary hawks and treks to nearby communities to sell on their market days. She has been in business for over eighteen years and desires to give her business a facelift. Rosemary therefore wants the loan to procure many kinds of printed fabrics in bulk to achieve this dream.