Adwoa M. is 20 years old. She is married with no children and she is very happy. She lives with her family in Koforidua, in the Ashanti region of Ghana. She owns and operates a beauty salon in her neighborhood. Adwoa is a very skillful and talented hairdresser. She has two apprentices who are currently training to learn her skills. She believes in efficiency and effectiveness of service. So she wants to use the loan to buy larger quantities of hair products like pomade, shampoo, activators, hair dryers etc. to serve her customers well.