Michael O. sells spare parts like bolts, nuts and chains at Siwdo near Cape Coast. He is married with three children and has received an education through junior high school. While Michael works as a trader, his wife is employed as a seamstress. He is responsible for paying for school fees, utilities and food. His loan will be used to buy more spare parts for selling. He hopes to use the new profits from his business to add to his capital which will help him expand his trade.