Samuel sells cosmetic in Ahado, Hohoe, near the main Hohoe station. Samuel has completed school to middle level. He is married and has two children. His wife is a petty trader. Samuel has been selling cosmetics for ten years and he is responsible for his nuclear family and parents. His loan will be used to buy perfumes, pomade/cream and deodorant to increase profit. He hopes to use the new profits from his business to further expand his shop.