Although she has received no prior formal education, Efua is an entrepreneur. She specializes in selling groceries in Onyaadze (near Cape Coast). She has been involved in this enterprise for three years. Efua is married and has six children. Her husband works as a farmer. The proceeds from her business normally go towards helping her husband cover the family’s general expenses and pay their children’s school fees. Efua will use the loan to purchase increased amounts of groceries to sell, thus helping her to improve her overall sales. With the new profits from her expanded business, Efua plans to further diversify the type of products that she sells, hence adapting to changing customer preferences.