Felicia S. is 43 years old. She is married with 3 children who are currently attending school. It is her fervent wish to provide these children with better life opportunities through education. She owns and operates a grocery shop in one of the busy local markets with items like rice, sugar, vegetable oil, bottled water, canned foods, peanuts, evaporated milk, etc. She wants to use the loan to buy more bags of rice and sugar, cartons of evaporated milk, cartons of vegetable oil, etc to increase her stock. She belongs to the community group called Israel Trust Group. In this group, members guarantee for one another as a form of social collateral in order to access loans and provide peer pressure to repay the loans.