Ramatu Abubakari is 28 years old. She is married and has two children - a son and a daughter. Ramatu's daughter is already in school, while her son is yet to start. Ramatu and her family live in a rented apartment in Koforidua, a suburb of Offinso in the Ashanti Region of Ghana. Koforidua is a farming as well as a commercial community, and many of its inhabitants are either farmers or traders. Ramatu works hard to help her husband financially support the family. Her husband works for one of the timber firms in the locality. Ramatu herself earns income as a food vendor. She prepares and sells porridge at the market square in the mornings. Porridge is eaten for breakfast by many Ghanaians. Ramatu procures the necessary ingredients, such as maize and millet, from Techiman in the Brong Ahafo Region where they are readily available. She has been in the food sales business for about three years and currently needs a loan to buy millet and maize in bulk in order to cut down on the cost that she otherwise incurs as a result of the frequent trips made to procure the porridge ingredients. She hopes to thereby increase her business profit and be able to better support her husband in paying for their children's education.