Esther M. sells groceries like Milo, milk, sugar, canned fish and so on at Elmina near Eslem. Esther has received senior high school education. She is married and has one child. Her husband is a trader. Esther has been selling groceries since 2007. She helps with the payment of bills and school fees. Her loan will be used to buy more groceries to sell. She hopes to put the new profits from her business towards building a house.