Abiba I. is sixty five years old. She is a widow and has eight children. Due to financial constraints, after the death of her husband, all her children dropped out of school. Currently all of her children are learning trades. She is a food vendor and sells waakye and has been selling for the past thirty years to take care of her home. Waakye is cooked rice and beans enjoyed with stew, macaroni and fish. It is sold in the mornings as breakfast. It is very tasty and satisfying and almost all the tribes in Ghana enjoy waakye. She wants to use the loan to buy more bags of rice, beans, fish etc. She belongs to a village bank called Fear Not. He hopes to receive GH¢800 to improve her business by restocking her inventory.