Rosina is thirty-four years old. She is married and has given birth to three children who are all in school. She lives with her children and husband in a rented apartment in a busy commercial/farming community called Goaso in the Brong Ahafo region.
Rosina is a baker. She bakes bread and supplies it to retailers and beverage sellers in her community. She also hawks the bread (sells door-to-door) in her community. Rosina buys her goods from Kumasi. She has been in business for over fifteen years and wants a loan to buy flour and other ingredients in bulk.