Mary is fifty – six years old. She is married and has given birth to four children, two sons and two daughters who are all still in school. She works very hard to support her husband to provide for the family. She lives with her husband and children in a rented apartment in Oda in the Eastern region of Ghana. She is a trader. Mary trades in cereals and other food stuffs. She sells in her community and also supplies to other food vendors. She procures the goods from nearby communities. Mary has been in business for over twenty years and wants a loan to buy cereals in bulk to expand her business.