Grace is the mother of five children. The children are all in school. She has been selling cosmetics, soft drinks like coca cola, fanta, sprite and some grocery products in her town. She is a hardworking woman and it is her cherished dream to see all her children complete university. Grace will use her loan to buy more crates of soft drinks, cosmetics and some grocery products to increase inventory and sales so that she can take care of the family. She is a member group called “Odwanwhefo Pa” meaning the “Good Shepherd”. Members agree to guarantee for each other to repay the loan.