Esi is 50 years old, married and the mother of five children. One of her children completed senior high school and only one is in school. Esi manufactures palm kernel oil. Palm kernel oil is produced from the palm kernel. The palm kernel is a by-product of palm oil. The palm kernel is processed through various stages to obtain the palm kernel oil, which is used to prepare many local dishes. Her operation is on a limited scale because she doesn't have adequate capital to buy machines for the processing. She wants to take advantage of the loan facility to buy more raw materials (palm kernel) and processing equipment to increase her efficiency and produce in larger quantities. She believes this will help expand her business and profit to provide for her family and finance her child's education.