Vivian is married and the mother of four children who are all currently in school. The 45-year-old woman lives with her husband and children in a rented apartment in one of the mining towns in Ghana. She works hard to help her husband provide for the family. Vivian is a food vendor. She prepares and sells rice with stew. She sells on a tabletop by the roadside in her community. She buys her raw materials from nearby towns. Vivian has been in business for 18 years and wants a loan to buy bags of rice and other ingredients in bulk.