Maliky N. is married and has five dependants. He has no educational background. Maliky sells fish. He goes to the sea and fish for himself and sells it to buyers at Elmina, which he has been doing since 2002. His wife is a fishmonger. Manlike uses his income to pay school fees and utility bills. Maliky will use the loan to purchase fishing equipment and also to fuel his boat. With the new profits from his expanded business, Maliky plans to save towards building of his own house.