Susana N. is 50 years old. She is married and has nine children - five daughters and four sons. Her three youngest children are still in school - junior high and elementary. The other ones have already completed their education and are now working. Some are engaged in the trading business in the city, while the others earn income as farmers. Susana's family lives in a rented apartment in Koforidua, a small commercial and farming community located near Offinso in the Ashanti Region of Ghana. Susana works very hard to help her husband financially support their family. She earns income trading banana and oranges, which is a business run by many women in the community. Susana buys bags of oranges and unripe banana from farmers in the nearby villages, stores the banana to ripe and then sells it to retailers in the local market. She has been in this business for ten years and has always dreamed of saving enough money to support her children in school. She is therefore asking for a loan to buy banana and oranges in bulk to be able to increase her business profit margin.