Moses G. is 58 years old. He is married with five children: three sons and two daughters. Some have completed university and the others are in junior high school. He lives with his wife and children in a rented apartment in a town called Kofiase. It is a farming/trading community near Dormaa, the district capital, in the Brong Ahafo region. His wife works as a farmer to help them financially. Moses is an auto mechanic. He repairs damaged cars. He has a workshop in his community. He is requesting a loan to purchase spare parts. He has been in business for over 21 years and has a number of apprentices in training. Moses is hopeful to expand his business and give his children the best education.