Hard to make out but appears to be women in 1920s dress lounging on the deck. They are dwarfed by the funnels and vents. This is evidently a cargo ship. Pre-war it was more common for cargo ships to have cabins for paying passengers.
Photographs I've gleaned from flea markets, junk shops and sometimes ebay. The cheaper the better. Anything with a story that can be extracted from hand written notes, location research, local histories, census records......anything. A small band of fellow enthusiasts worldwide have helped me with many of these. Of course there are always mysteries that defy research, but there's even a story inside these. All images can be viewed at super-size on Flickr.