Kofi K. is forty-three years old. He is a widower and has three children. The first child is in senior high school and the other two are in primary school. He is a chemical seller and sells various kinds Chinese herbal medicine in his neighborhood and in buses. Many local people patronize his medicines. He wants to use the loan to buy increased supplies of drugs to include others that are frequently requested by his customers. Kofi hopes to raise good income to take care of his family.