Grace is thirty-seven years old. She is a married woman who has given birth to five children. All of her children are in school. Grace lives with her husband and children in a rented apartment in a commercial community.
Grace sells pastries. She prepares the pastries and supplies them to retailers in her community. Grace buys bags of flour from nearby communities. She has been in business for over twelve years and wants a loan to buy more flour, and other ingredients, in bulk to expand her business.