Grace is married and has 3 children. She has never been to school due to financial difficulties. Grace sells sponges in Hohoe, and she has been in this business for the past 5 years. Her husband is a petty trader. Grace uses her income to assist her husband in providing for their children, who are in school. Grace intends to use her loan to purchase sponges in larger quantities in order to make more profit. With the new profits from her expanded business, Grace plans to save for the future and open a big shop for herself and her family.