Eugenia is married and has three children. She has never been to school. Eugenia is a petty trader who sells smoked fish and vegetables at Wegbe, Hohoe, Ghana, as she has done to make a living for 16 years. Her husband is a driver. Eugenia uses her income to help her husband raise their three children. Eugenia will use the loan proceeds to buy more fish for her business, in order to increase her profits. Eugenia intends to save the new profits from her expanded business and to start smoking her own fish.