Ruth A. is a baker and has been managing her own business for several years. She is not yet married because she is so focused on developing herself and her business. Currently, her business is doing very well but she wishes to further increase her sales of baked goods. Her major challenge, however, is the increase in the prices of ingredients, especially flour for baking. Therefore, Ruth is asking for a loan of $525 to buy more flour and other ingredients for the production and sale of baked goods.