Barbara is forty years old. She is divorced and has no children. She lives alone in a rented apartment in a fishing community in the central region of Ghana. She is a hard-working woman. Barbara is a food vendor. She prepares and sells rice with stew. She sells it on a table top by the road side. She also sells ‘banku.’ Barbara buys bags of rice from nearby towns. She has been in business for four years and wants a loan to procure bags of rice and other ingredients in bulk so she can increase her profit margin.