Theresa lives in Paynesville which is one of the populated areas in Montserrado County. She is 34 years old, married, and has four children between the ages of 16 and 26. Only two are in school and live at home. Theresa completed 12th grade, so she decide to keep herself busy by selling cosmetics to improve their lives. She started this business with little money from her husband two years ago. She said; fewer goods on her table are the only challenge she faces now. She likes her business because it's affordable, and she learned about this type of business from her friends. She said, "I am proud of my business because it's the only means I can help my children." Theresa said that with the loan she is going to buy more cosmetics to resell. Her plan is to increase her sales even more.