Charity O. is 28 years old, married and the mother of four children. Through the help of government free compulsory education, it has been possible for her to send all her kids to school. She lives at Cape Coast in the central region of Ghana. She loves selling goods, the business through which she makes a living. Charity trades in peas, pineapple and tiger nuts and sells through hawking. It is believed that tiger nuts can help those with sexual weakness. She travels to the surrounding communities to buy her stock of goods. Demand for her goods is on the higher side; for that reason she is requesting a loan to buy more peas, pineapple and tiger nuts. Charity wants to save more money for her children's education. She belongs to a village bank called ‘He lives’.