Annie is 47 years old and lives in Paynesville. She is married and has six children between the ages of 18 and 33, two of whom are in school and live at home. Her husband is a contractor, and for the past ten years she has been selling body cream, washing and bathing soap, and perfume. She started her business with money from her husband and is proud that her business provides for her needs. Annie plans to use the proceeds of this loan to buy more body cream, perfume, washing and bathing soap as inventory for her business.