Esi N. is married to a commercial driver and has three children. She has received no formal education. Since 1999 Esi has sold provisions such as milk, Milo, sugar, soap and rice, at Kormantse, near Cape Coast. She uses her income to feed her family and pay her children’s school fees. Esi will use her loan to purchase more groceries to fill her grocery store. With the new profits from her expanded business, she plans to take care of her children.