Samuel S. is married and has 4 dependents; his wife is a seamstress. He has received schooling through the junior high level. Since 1990, Samuel has sold TV motherboards and other electrical parts at Kisi near Elmina. Samuel uses his income to pay his family's rent and utility bills, his children's school fees, and other financial expenses. Samuel will use the loan to meet customers' growing demand by increasing the inventory of TV motherboards and other electrical parts for sale in his shop. With the new profits from his expanded business, Samuel plans to continue building the house he started for his family.