Joyce is married and has three children. She has received schooling to the primary level. Joyce is a fishmonger and a petty trader at Santrokofi, Hohoe. She has done this business for 15 years now. Her husband is into carpentry. Joyce uses her income to support her husband with some of the financial needs of the home and to help feed the family. Joyce will use the loan to buy different types of fish. With the new profits from her expanded business, Joyce intends to save to enable her to continue to help her husband give a better education to their children.