Comfort is forty – eight years old. She is married and has given birth to five 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. Comfort is a trader. She trades in ready – made wears such as ladies’ dressed. She buys her goods from Kumasi. Comfort hawks to sell in her community and also treks to nearby communities to sell. She has been in business for over eighteen years. She wants a loan to buy goods in bulk.