Adwoa Nyaneba is forty-five years old. She is married and has a child who has completed senior high school. Adwoa sells ground nuts, beans, yams and waakye - cooked rice and beans typically eaten as breakfast in the mornings with stew, macaroni and fish. Waakye is very tasty and filling, and almost all tribes in Ghana enjoy it. Adwoa currently needs a loan to buy more bags of rice, beans, and yams to increase her stock of goods. She belongs to the community group called Nyame kye Trust Group, whose members provide a guarantee for one another as social collateral to help access and repay loans.