Constance N. is 25 years old. She is married with 1 child. She owns and operates a beauty salon in her neighborhood. Constance is very skillful and a talented hair dresser who adds a lot of beauty to the hair of her many customers, and that is her secret. She believes in efficiency and effectiveness of service; therefore, she wants to use the loan to buy larger quantities of hair products like weaves, pomade, shampoo, activators, etc to avoid shortages and poor service. She is a member of the community group called Ezekiel 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.