Joyce is forty – three years old. She is married and has given birth to three children, all in school. She lives with her husband and children in a rented apartment in a town called Dormaa in the Brong Ahafo Region of Ghana. Dormaa is a commercial and farming town. Joyce is a food vendor. She runs a chop bar. She prepares and sells all kinds of local dishes. Joyce buys her raw materials from nearby towns. She has been in business for over twenty – two years and wants a loan to buy food stuffs and other ingredients in bulk.