Efua S. is married and has five dependents. Her husband is a farmer. She makes gari (cassava flakes), corn dough, and cassava dough at Elmina, which she has been doing for 10 years. Efua uses her income to assist her husband in the payment of school fees and utility bills. Efua will use the loan to buy more cassava to make more gari for sale. With the new profits from her expanded business, Efua plans to provide a meaningful education for her children.