Mary T. is forty years old. She is married and has given birth to four children, and three are currently in school. Mary is industrious and her motivation is to support her children’s education, which will provide them with a better life in the future. She sells groundnut, pepper, onion, okro, and corn dough from a table top in the community market. Corn dough is a milled maize grain mixed with water and it used to make local meals like banku and porridge. She wants to use the loan to buy more bags of maize, baskets of pepper, onion, groundnut and okro 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.