Annie is 42 years old, married and has four children ages 19 to 28. One child is attending school and two live at home. Her husband is a contractor. She and her husband and two of their children all live at Jacobs’ town (home), one of the areas in Montserrado County where it is cheap to live. She is a hard-working woman, selling used clothes six days a week in order to help her husband with the home. For the past 10 years, she has been selling used clothes in her community, She makes lots of profit because people in her community do not have to go far to buy. She is requesting a loan to purchase more used clothes to resell. Her plan for the future is to educate her children.