You register as a merchant and receive pay-scan vendor stickers. Your grandmother is unimpressed, scolding: "You've take huge debts that put the business, our family and your schooling at risk!"
What do you do with the remaining loan balance?
You think grandmother's fears are old fashioned. You buy a quality sign for the market stall that will attract the upscale bakery customers.
Maybe grandmother has a point? You use the remainder to fully pay your school fees and to repay several future loan installments.