Kossiwa L. is an exceptionally hard-working illiterate woman of 48 years of age. She is married and is mother to 8 children. Her husband is a poor peasant with no means of reliable income. Kossiwa sells produce of all kinds, specializing in dried red hot chili peppers (yes, red hot chili peppers! [piments]. This industry thrives during periods of drought or between rainy seasons. The areas where the peppers are grown is far from her home. She is asking for $1200 in order for her to buy at a quantity discount and sell at a greater profit. She plans to repay the loan within 12 months.