Florence A. is thirty-five years old. She is a divorced mother of three children who are currently in school. She is really industrious and resourceful to provide for the needs of her children and her business. Florence owns and operates a clothing and cosmetic shop in the local market. She believes she can make her business grow bigger and brighter with loan support and wants to use the loan to buy more clothing and assorted cosmetics to increase her stock of goods. She belongs to the community group called Shepherd Trust Group. Members guarantee for one another as social collateral to access the loan.