Garmah is 52 years old and lives in Paynesville. She is married and her husband is a social worker. They have four children between 15 and 27 years old, all of whom are in school and live at home. For the past four years she has been selling rice, oil and pepper in the market. She is requesting a loan to purchase more oil, pepper, and rice for her business. She hopes to send her children to college.