Nicholas is divorced and has one child. He has received schooling to middle school level. Nicholas is into photography in Akpafu, Hohoe. He has been doing this for seven years. Nicholas uses his income to care for his son and his parents. Nicholas will use this loan to purchase a new camera. Nicholas plans to save the new profits from his expanded business and open a studio in the future. He also wants to open a charcoal business to make more profit for his child’s education.