Richard is thirty years of age. He is married and has two children who are currently in school. He lives with his wife and children in a rented apartment. They live in a tourist attraction community in the central region of Ghana. The community is one of the coastal towns in Ghana. As a result, the occupation of the people is mainly fishing. Richard is a trader. He runs a provision store by the roadside in the community. He procures his goods from Accra. Richard has been in business for five years and wants a loan to buy goods in bulk to increase his stock.