Janet A. is 34 years old. She is married and has five children, one male and four females. According to her, her first four children are currently in the basic school and the last one is yet to start school. Her husband is a cocoa and palm nut farmer. She lives with her husband and children in a rented apartment in a small farming community called Nkwateng in the Eastern Region of Ghana. The major occupation of the inhabitants, the men in particular, is farming. Most of the women, however, are into trading activities and palm oil production.
Janet is also into the palm oil production business. She says she procures palm fruits from the local farmers and nearby farms. She adds the procured palm nuts to what she harvests from her husband’s farm. Janet distributes to customers who come to buy in bulk and retail. She wants a loan to procure palm fruits in bulk so that she can produce the oil in bulk and distribute to her increasing number of customers. It is her dream to help her husband give their children the best education.