Dorothy N. is married with six dependents and has received an education through senior high school. She has sold kenkey (a kind of dough made from maize and cassava), bread, and doughnuts at Moree Junction near Cape Coast since 1999. Her husband is employed as a mason. Dorothy uses her income to help pay for her family’s expenses, which include school fees and utilities. She will use the loan to purchase more flour and maize in order to make more kenkey, doughnuts and bread. Dorothy plans to save the extra profit from her expanded business in the bank so she will be able to use it as she deems necessary.