Rosemary is 38- years old and a married woman. She trades in frozen foods like fish, assorted meat and chicken. Prices of frozen foods keep increasing, and this lessons her income when her stock is low. She will use her loan to buy more cartons of frozen foods to enable her stay in business and also to avoid price hikes for good income. She is a member of the group called “Odwanwhefo Pa” meaning the Good Shepherd. Members agree to guarantee for each other as social collateral to repay the loan.