I met Ama on 22 March 2012, we travelled up a very steep and bumpy road to arrive at her home and work place. Outside was Ama’s mother, Kossiwa Dotse, who seemed very excited to see us. Ama used the loan to buy flour for her bread and biscuit making enterprise. She also used some of the loan to buy containers to keep her flour and cereal clean and dry. Ama sells the bread and cookies to local traders who come to her home to collect, these traders then sell it on to their customers. Some of the bread is sold in a shop in town and Ama receives commission on these sales. Ama gets help from her daughter and her sister-in-law and uses about a sack of flour per day if all are helping, if it is just her she can only make half a sack’s worth of bread per day which would sell at about £75. When asked what her hope for the future was Ama replied “I would like to be able to buy a modern oven as the one I have (pictured) is not useable in the rainy season.” Ama also keeps chickens which she sometimes sells, although as her home doesn’t have any walls or fences around it the chickens are sometimes stolen. As Ama’s property is up a steep hill the loan officer comes by motorbike and collects her repayments each month so she doesn’t have to make the time consuming and difficult trip to the office. Tracey Horner, March 2012.