Akua F. is 39 years old. She is married and has three children, two of whom are boys and the other a girl. One of the children is in junior high school. The other two are in the primary school. She lives with the family in Koforidua, a small town not very far from Offinso in the Ashanti Region of Ghana. It is entirely a farming and commercial town. Akua works to support her husband. Her husband is a fitting mechanic. He repairs motor bikes. Akua trades in bananas. Most of the women in the community trade in bananas and other fruits. She buys unripe bananas from farmers in the nearby villages, stores them until ripe and then sells them. She sells to retailers in her community in the local market. She at times resorts to other types of fruits. Akua has been in business for three years. It has been her dream to save enough money to support her husband and take care of the family. She wants a loan to procure bananas in bulk so she can maximize her profit margin.