Ama is 37 years old. Married with five children, Ama works to support her husband economically. She lives with her husband in a rented apartment in a mining community. Ama trades in pastries (meat pies). She prepares the pasties and supplies them to retailers in her community. She has been in business for 14 years and wants to give her business a facelift. Ama requests a loan to procure bags of flour, sugar and other ingredients in bulk to be able to supply to more customers.