Samuel O. is single and has no children. He has received schooling through senior high. Samuel sells spare parts and also repairs electrical appliances at Akotobinsin near Elmina, a business he started not too long ago. Samuel uses his income to pay for rent, utility bills and other expenses. Samuel will use the loan to purchase more spare parts for sale and also to repair the electrical appliances to meet the increase in demand by his customers. With the new profits from his expanded business, Samuel plans to save towards the expansion of the business.