Osuman S. is married and has 6 dependants. He has received no formal education. Osuman sells cattle and parts of animals which are of interest to tourists at Abotoase, a town near Hohoe, Ghana. He has been in this business for a long time. Osuman uses his income to pay for housekeeping expenses. Osuman will use the loan to purchase more cattle. With the resulting profits, Osuman plans to reinvest into his business.