Evelyn is twenty-nine years old. She is married with three children who are currently in school. She works very hard to provide a brighter future for her children. She is a trader who sells rice at the local market in her community. She buys her rice from wholesalers in Accra and resells them to her customers at profit. She wants to use the loan to buy more bags of rice for keep and sell them over time to avoid price hikes from the current food crisis in the country. She belongs to the community group called Joyful Family Trust Group. In this group, members guarantee for one another as social collateral to access the loan and peer pressure to repay the loan.