John is forty-five years old. He is married and has five children who are all in school. He lives with his family in a rented apartment in a fishing community in the central region of Ghana. John works hard to be able to provide for his family. He runs a chop bar and operates a cold store as well. His shop is by the road side. He buys fresh fish directly from the fishermen in the community. John has been in business for four years and desires to improve upon his business. It is his desire to give all his children a good education.