Mariama S., is twenty-eight years old, married, and has three children who are in school. Mariama lives with her family at Bawjiase in Ghana. She runs a small provisions kiosk in her neighborhood. She also sells food items such as macaroni, tomatoes, etc. on a table top in front of her kiosk. She has been in business for seven years. Mariama buys her goods from wholesalers in the city and markets in nearby towns. She desires to buy the goods in bulk whenever she travels to the city in order to minimize the problem of frequent trips. She is a member of a group called “Shining Star”. The group members guarantee for one another as collateral to access the loan and provide support in handling repayment.