Although he has received no formal education, Isaac is an entrepreneur. He specializes in selling charcoal in Egyirfa (near Cape Coast). He has been involved in this enterprise for 20 years. Isaac is married and has one child. His wife works as a trader. The proceeds from his business normally go toward helping his wife to cover the family’s general expenses and to pay their children’s school fees. Isaac wants to use his loan to increase his inventory levels, thus allowing him to sell more charcoal. In the long term, Isaac plans to reinvest the profits in his business, which will help him to expand and meet rising customer demand.