Gifty is 31 years old, married and the mother of two children. She says that with the help of God all her children attend school. She owns and operates a grocery shop and sells items like sugar, vegetable oil, bottled water, skimmed powdered milk, biscuits and babies product like napkins, feeding bottles, etc. in her neighborhood. She lives in a community in the central region of Ghana. She also sells maize grains in addition to her grocery shop. She buys her maize in Kumasi. Demand for her stock is on the higher side so she is requesting a loan to buy her stock in bulk to meet those needs and increase her profit.