Mary is married and has six children. She has never received any formal schooling. Mary sells in Likpe Bakua, Hohoe market, which she has done for six years. Her husband is a farmer. Mary uses her income to buy things for home like food and clothes. She will use the loan to buy gallons of palm oil from local producers and to re-sell in the market for food vendors and middle men. With the new profits from her expanded business, Mary plans to increase her working capital.