Monica sells used clothing in Eguafo near Elmina. Monica has received no formal education. She is married and has 2 children. Monica has been selling used clothing for some time now. She is responsible for helping to support her husband to pay their family’s general expenses. Her loan will be used to buy more used clothing to sell. She hopes to use the new profits from her business to increase her capital base and buy more used clothing to sell in the market.