Francis is a cripple since infancy and, therefore, his father failed to support him. A nurse in his village came in to support him to become a cobbler. She gave him the initial capital to start his operation.
Francis is thirty years old and he needs additional capital to buy more leather and glue to make shoes and slippers. He hopes to start savings to help with his three children’s education and also to register and become a member of the Government’s health insurance scheme. Francis is a member of the group called Nyame ne ye Boafo (meaning "God is our Helper"). Members agree to guarantee for each other as social collateral to repay the loan.
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