Annie, age 30, lives in West Point with her husband and three children. Her husband is a mechanic; two of her children stay with her and are in school, while the other child stays with her aunt. Annie has sold body cream, body powder, body spray, hair grease, and hair accessories for the past three years. She likes this business because she makes a profit. With the profit she can improve the business and help her husband with the household expend. She has requested a loan to purchase more body spray, hair grease, body cream to improve the business. Her plan for the future is to build a house.