Abiba A., 36, is married and the mother of two children, a boy and a girl, both pursuing education in primary school. She lives with her family in their own house at Ejura, a farming community in the Ashanti region of Ghana. Abiba’s husband is a farmer who cultivates food crops and all kinds of vegetables, while she works hard to support his efforts by selling beans and groundnuts in the community market, having done this now for 16 years. She buys her goods from the farmers in the surrounding villages and is now requesting a loan to buy in bulk in order to reduce travelling costs and maximize profit.
Abiba is a member of the community group called Hope trust group, whose members guarantee one another as social collateral to access the loan and support one another in handling repayment of the loan.