Emmanuel is thirty years old. He is married and has four children. All of his children are still in school. He lives with his wife and children in a rented apartment in a fishing-dominated community called Axim in the western region of Ghana. Emmanuel works hard to be able to provide for the family. He trades in second-hand clothes for men. He sells in his community and also treks to nearby communities to sell. Emmanuel has been in business for ten years and wants a loan to procure goods in bulk.