Emilia K. is thirty-five years old. She is divorced but provides for her three children, two girls and a boy. One has completed junior high school and the others are still in school. She lives with her youngest child in the farming community of Simpa, in western Ghana. The two older children live with their grandmother.
Emilia is a seamstress by profession. She finished her apprenticeship some years ago and has been running her own business. She makes and sells clothing for school children. She buys fabric from wholesalers in the nearby big towns and offers a variety of designs for children. She also does custom work for clients who come in with their own fabrics and patterns. She owns the shop in which she works. She would use this loan to buy fabric, such as cotton, linen, and polyester, and other sewing accessories, such as linings and pins. Emilia's goal is to work hard and save enough money to acquire a bigger and better workshop.