Soon aged 45, Komla A., reseller of construction gravel for nearly ten years is married to two women and father to five children and six others who he supports. His work has not had great success in times past due to his not owning his own truck. He has worked up to this point for the truck owners who set the prices themselves. To improve his situation, he has received a small credit of $400USD which he has already paid back despite his numerous family responibilities.
Mr. A. is asking for a loan of $1200 to buy a truck with which he will transport gravel thereby setting his own transport fees. He plans to repay this loan in 15 months. This is a man with ample experience in this field of work and on who has previously demonstrated both his expertise as a driver as well as his business experience and reliability.