Dorothy A. is 33 years old and married with four children. Three of her children are in school, while the youngest is still breastfeeding. She is supportive of her loving husband, an electrician, who wires people's houses with hydroelectric power. She lives at Elmina, a coastal area in the central region of Ghana. Dorothy is hardworking, trading in fresh fish and hawking ladies' underwear. She buys the fresh fish from fishermen and sells them by the seashore to her loyal customers. Dorothy has been selling fish for seven years now. She manages to combine her two businesses by ascertaining when the market is good for her varied products. She says the catch of fish has dropped drastically, which has increased the cost of fish in the market place. She requests a loan to buy more fish. With the loan, she believes that she can be more of a resource to support her husband in taking care of their family. Dorothy belongs to a village bank called Holy Cross.