Louis is married and has 6 children. He is an educationist. Louis got into petty trading at Likpe Bakua, Hohoe, over the past two years after retiring from active service. His wife is also a petty trader. Louis uses his income for the general financial needs of his family. He will use the loan to purchase bags of paddy rice and maize from local farmers for resale to men and women at the market and also to other middle men. With the new profits from his expanded business, Louis plans to save for his family’s welfare.