Aaron is 26 years old and an unmarried young man. He has been selling Aloe Vera products such as food supplements, facial cleanser, body lotions, hair creams etc. for the past three years. He obtains his supply of Aloe Vera products from wholesalers and retails them to his customers on a credit basis. He wants to use his loan to buy Aloe Vera products in bulk to cater to the demands of his customers. He wants to use the proceeds from his operation to build a small shop to start selling assorted cosmetics. Aaron is a member of the group called “Adehye mma” (Meaning Royals). Members agree to guarantee for each other as social collateral to repay the loan.