Hagar is a 55-year-old widowed and committed mother of ten children. Her husband died after a prolonged sickness, making life very difficult for Hagar in taking care of her children. Among the ten children only two are in school. Hagar is a merchant. She believes in hard work and dedication as the primary antidotes to minimizing poverty and is very serious regarding her business. She sells foodstuffs such as plantain and cassava. She started this business eighteen years ago to help take care of the children. She wants to use this loan to buy a larger supply of plantains and cassava to serve her customers throughout the season and to take stock directly from the farmers rather the intermediaries who sell to her at a higher price. Hagar believes and hopes that 2010 is a year of growth as she wants to increase her output, hence her family's well-being. She would be glad for the loan assistance.