James is married and has 5 children. He has never received any basic schooling even though he wishes he had been to school. James sells locally made sandals in Hohoe market to make ends meet, which he has done for the past 11 years. His wife is a petty trader. James uses his income to pay for all the financial needs of his home and other close relatives. James will use the loan to purchase varieties of sandals and introduce the sales of male and children sandals as well. With the new profits from his expanded business, James intends to save the profit and give a better education to his children.