Vernus, 30 years old, lives in West Point, one of the most populated and well-known markets in Montserrado county. She is married to a businessman and has two children, 8 and 12 years old, both in school and living at home. For the past three years, Vernus has been selling used clothes in her community market. She got money from her husband to start this business. Vernus is requesting a loan to purchase more used clothes for her business. She wants to buy land and to build her house.