Elizabeth is a 46-year-old married mother of five children who are in school. She lives with her husband and children in a rented apartment in a farming town in the western region of Ghana. Most of the inhabitants practice farming alongside other trading activities. Elizabeth is a food vendor. She prepares and sells rice with stew. She prepares the food in her house and sells in a kiosk by the roadside in her community. Elizabeth buys the raw materials from nearby communities. She has been in business for over 20 years and wants a loan to procure bags of rice and other ingredients in bulk to expand her business.