Millicent A. is 34 years old. She is married with one child. Millicent is into the sale of phone items like phone cards and credits cards. Millicent loves selling goods, the business through which she obtains daily source of livelihood. In Ghana we have communication networks like MTN, Tigo, Kasapa, Zain and Vodafone which was formally Ghana Telecom. She has been selling these cards for years to support her family. Mobile phone cards are purchase by many people due to the number of people who now have access to phones. She has attracted a lot of customers due to the friendly relations she keeps with them. She takes delivery of stock from wholesalers who provide her with a direct supply and retails these products to her customers. This enables her to avoid middlemen, who buy from the wholesalers and retail to her at higher prices. She belongs to a village bank called Yayra. She hopes to receive GH¢800 to make her business grow by restocking her inventory.