Araba is a member of the lending group, Nyame Beba (meaning "God will come") of Elmina. The group members guarantee loans through a group repayment pledge. Peer support provides the incentive to repay; if one person in the group defaults, the group members make up the payment amount. The members of this group have known each other for many years and provide a lot of support for each other as they all work inside the Elmina market.
One challenge that Araba faces is the fact that cassava becomes rotten in a relatively short period of time. So, Araba has become a very good saleswoman in order to sell all of her all stock. As a result, Araba now needs a loan to purchase even more plantains, cassava, and palm nuts. She wants to maintain these three products because they are the most profitable for her to sell.
Right now her youngest child just graduated from high school and is waiting for his exam scores to see if he’s going to university. Araba is saving her profits to enable her to send her son to the university when he gets the results.
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Success!! The loan was 100% repaid