Theresa is 30 years old and lives in the Paynesvilleare; this is one of the populated areas of Montserrado County. She is single and has three children between 7 and 14 years old, they are currently in school and live at home. For the past 2 years she has been selling rice, oil, water, soft drinks, etc. in the local market. She makes a lot of profit and has more customers now. She is requesting a loan to purchase more rice, oil, cool-water, soft drinks, etc. for her business. Her plans are to build a house and educate her children.