Zoe is 37 years old and lives in the Jacob Town area, one of the cheaper places to live in Montserrado County; she’s single with two children between 16 and 18. They live at home with her and are in school. She has been involved with the sales of used clothes for past 4 years. She started this business with the help of her boyfriend who give her some money. This business helps her to send her children to school and take care of her home. She has requested this loan to purchase more used clothes to resell. She hopes to build her own house in the future.