Although he has received no prior formal education, Kofi is an entrepreneur. He specializes in taxi driving in Edukuma (near Cape Coast). He has been involved in this enterprise for 12 years. Kofi is married and has six children. His wife works as farmer. The proceeds from his business normally go towards helping his wife cover the family’s general expenses and pay their children’s school fees. Kofi will use the loan to purchase spare parts, thus aiding him to improve his overall business.