Olivia is a 49 years old, widowed mother of three children. All are in school. She lives with her children in a rented apartment in a farming community in the western region of Ghana. Most people practice farming or trade goods. Olivia is a trader of smoked fish. She sells at the market square in her community and supplies to retailers and food vendors. Olivia buys fish from nearby towns and has been in business for over 25 years. She wants a loan to buy goods in bulk to expand her business.