Eunice B. is 52 years old. She is married and has given birth to seven kids. She says two kids are out of school and working and the rest are currently in junior and senior high schools. She lives with her family in their own house at Oda, a farming community in the Eastern region of Ghana. Eunice works hard to support her husband to provide for the family. Her husband is a farmer who cultivates food crops and all kinds of vegetables. She is a petty trader. She sells fresh eggs and salt on a tabletop in the community market. She buys her fresh eggs from the poultry farmers in the surrounding villages. She has been in business for four years. She also distributes the fresh eggs to breakfast operators in her town.
With the loan, she wants to purchase fresh eggs in bulk so that she can cut down on costs, such as frequent trips to procure the goods, and maximize profit.
She is a member of the community group called “Akwai Allah.” Members in this group guarantee for one another as social collateral so they can access the loan and then they support one another in handling repayment of the loan.