Christina O. is a single parent and has 6 dependents. She has completed schooling through junior high. Christina has been selling bread, which she bakes herself, at Kisi near Elmina since 2002. Christina uses her income to pay for her childrens' school fees, as well as for rent, utility bills and other financial expenses. Christina will use the loan to increase her capital in order to purchase flour and other baking materials, which will enable her to increase production. With the profits from her expanded business, Christina plans to save towards building a house with her husband.