Although she has received no formal education, Esi is an entrepreneur. She specializes in selling doughnuts and meat pies in Egyirfa (near Cape Coast). She has been involved in this enterprise for a year. Esi is married and has three children. Her husband works as a farmer. The proceeds from her business normally go toward helping her husband to cover the family’s general expenses and to pay their children’s school fees. Esi will use the loan to buy more ingredients to make doughnuts and meat pies, thus helping her to improve her overall sales. With the new profits from her expanded business, Esi plans to further diversify the type of products that she sells, thus adapting to changing customer preferences.