Kwame is a married father with three children. His children are currently in school. Kwame has been selling newspapers and also doing photocopies for clients for 10 years now. He wants to use his loan to buy more newspapers for the community folks to know or read about national issues. He also plans to use part of his loan to buy a photocopier machine to expand his operation. Kwame is a member of the group called Paul Amantem. Members of the group agree to guarantee each other as social collateral to repay the loan.