Agnes N. is forty-five years old, married, and has two children, one of whom is in senior high school, while the other one is in primary school. Agnes is hard-working and dedicated, and therefore successful in her business. For the past twelve years, she has been working as a retail seller of eggs and onions, financially supporting her family. Agnes is now in need of a loan to be able to increase her supply of onions and eggs and to serve her customers throughout the season, especially in the face of increasing prices due to the current food crisis in the country. Agnes is a member of the trust group called Anyidado (Hope) Trust Group, whose members provide a guarantee for one another as social collateral to help access and repay loans.