Annor A. is the father of five children, one male and four females. The first born, a girl, is currently in senior high school. The rest are in junior high and primary school. Annor is dark in complexion. He is forty-two years old and runs a cold storage business with his wife. Annor lives with the family in a commercial town called Bekwai, close to Obuasi (a gold mining town) in the Ashanti Region of Ghana. The majority of the inhabitants of Bekwai are into commercial activities.
Annor procures his goods wholesale from big cold storage operators in Kumasi, a nearby city, and sells at retail prices to his customers, most of whom are food vendors. His cold storage business is situated right at the center of the local market square. Annor says he makes good sales because of this strategic location. He has been in business for ten years. He wants more working capital in order to increase the quantity of goods he buys. It is his dream to put up a house for his family.