Zina is a wife and mother of six children who are currently in school. She is a forty-four year old trader who trades in charcoal, maize & corn dough. Charcoal is a very popular source of energy for cooking in many traditional Ghanaian homes. Zina obtains her supply of charcoal from Afram plains and retails them to her customers. She wants to use the loan to buy more charcoal and maize to increase her inventory. She believes the loan will enable her to increase her savings and allow her to provide her children with their educational needs. She belongs to the community group called Olivet Trust Group. In this group, members guarantee for one another as social collateral and provide support to one another to repay the loan.