Forty-four year old Theresa is not married but has three children aged between 12 and 25. She is very dedicated to her trade. She is calm and hopeful about the future. Theresa lives with her children in one of the busy business hubs in Ghana called Takoradi. She deals in school bags for pupils. Theresa has run this business for the past seven years to make income. She sells on a table at the central market circle. She buys the bags in bulk from wholesalers. Theresa desires to expand her business and add the sale of other items. She plans to invest the loan in the purchase of assorted bags in bulk.