Celestina is twenty-nine years old. She is single and has no child. She lives alone in a rented apartment in a fishing-dominated community in the central region of Ghana. She is a trader. Celestina trades in ready-made women's clothing. She sells door-to-door and treks to nearby communities to sell on their market days. Celestina has been in business for three years and desires to give her business a face-lift. She therefore wants a loan, which she will use to procure more goods.