Mary D. is a widow with five dependents. She has received no formal education. For 20 years, Mary has worked as a trader selling clothing, lace, fabric lining and saucepans in Siwdo near Cape Coast. She uses her income to pay for her family’s various household expenses and bills. Mary will use the loan to purchase more clothing, lace, fabric lining and saucepans for selling and with the new profits from her expanded business, Mary plans to reinvest.