Priscilla O. is forty years old. She is married and has two children, a boy and a girl. The boy is currently in junior high school, and the girl is in primary school. Priscilla lives with her family in a house at Simpa, a farming community a few kilometers from Tarkwa in western Ghana. Her husband is a mason by profession in Takoradi, the regional capital.
Priscilla is a food vendor. She cooks rice and beans and sometimes serves soup. She cooks the food at home and sells it on the street in front of her house. Priscilla procures bags of rice and other ingredients she needs from nearby markets. She has been in this business for over thirteen years. She hopes to help her husband give their children the best education possible. Priscilla would use the loan to buy rice in bulk.