Nineteen-year-old Stephen Mensah has a junior high education, but no real home or assets. He had lost any hope of attaining the additional education that he wanted until six months ago, when he became a Fan Milk microfranchisee. Fan Milk is Ghana’s leading producer and distributor of dairy products. Scandinavian investors founded the company in 1960 to produce milk for Ghanaians, many of whom suffered from protein deficiencies. Today, Fan Milk is listed on the Ghana stock exchange and employs...

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