Massah N. T. is 43 years old and lives in the Paynesville South, one of the most populated areas in Montserrado County; she is married and her husband is a doctor. They have 8 children between 19 and 30 years old. Four are currently in school and live at home. For the past eight years she has been selling charcoal in the local market. She makes a lot of profit and has many customers. She is requesting a loan to purchase 50 bags of charcoal for her business. Her plans are to build a house and educate her children.