Yaa is forty-three years old. She is divorced and has three children. All of her children are in school. She lives with her children in a rented apartment in a commercial community. Yaa works hard to be able to provide for the family. She is a trader in utensils such as plates and bowls. Yaa procures the goods from Accra and then sells them. She also treks to nearby towns to sell on their market days. Yaa has been in business for ten years and wants a loan to expand her business.