When man started to cultivate and harvest the land, he would occasionallyfind himself with a surplus of goods. Once the needs of his family and localcommunity were met, he would attempt to trade his goods for differentgoods produced elsewhere. Thus markets were formed. These early effortsto swap goods developed into more formal gatherings. When a producer who had a surplus could not find another producer with suitable products toswap, he may have allowed others to owe him goods. Thus early credit termswould have been developed. This would have led to symbolicrepresentations of such debts in the form of valuable items (such asgemstones or beads), and eventually money.
The Retail Trade is rooted in two groups, the peddlers and producers.Peddlers tended to be opportunistic in their choice of stock and customer.They would purchase any goods that they thought they could sell for a profit. Producers were interested in selling goods that they had produced.
Over time, producers would have seen value in deliberately over-producingin order to profit from selling these goods. Merchants would also have begunto appear. They would travel from village to village, purchasing these goodsand selling them for a profit. Over time, both producers and merchants,would regularly take their goods to one selling place in the centre of thecommunity. Thus, regular markets appeared.The First Shop : Eventually,markets would become permanent fixtures i.e. shops. These shops along