Eloctwkwa Francis is 35 years old and lives in New Kru Town, an established and well-known town in Liberia. He is married and he is a high school graduate. He has a two-year-old child who stays at home. For the last year, he has been selling stout, beer, and other alcoholic drinks from a shop in his community. He makes lots of profits, since he is the only one who is involved in this business in his community. A problem he is facing is his low income. He is applying for a loan to buy more stout, beer, and other alcoholic drinks for his business. He plan is to build a decent house and educate his children. He wants to thank all the lenders of BRAC Liberia.