Veronica A. is 50 years old, and is married with five kids. Three of the children have finished junior high school while the remaining two are still in school. Veronica is very resourceful in providing her family with food and paying bills. She is a food vendor and sells kenkey with fish in the community where she lives. She sells kenkey in the mornings and in the afternoon. Kenkey is prepared from milled maize grain, which is cooked and eaten with hot pepper and fried fish. She has many customers, since many Ghanaian enjoy kenkey as breakfast, lunch and supper. She wants to use the loan to buy more raw materials like bags of maize, meat, fish, vegetables and firewood. She hopes to increase her savings to support her children's education. She belongs to the village group called “Emmanuel” Trust Group. In this group, members guarantee and support one another to repay their loans.