Regina is 53 years old and married with five children, one still in school. She lives with her family in Cape Coast in the central region of Ghana. She has been a baker for ten years selling bread retail, as well as bulk, in the market center. Her problem is finding adequate funds to buy raw materials as prices are shooting up. She requests a loan to enable her to remain in business. With it, she believes she can provide for her family — especially her children's education.