Dorcas is married with 2 children. She sells clothing in her town through hawking. Buying brand new clothes is very expensive, but many prefer that to used clothes. This has created a big market for dealers in clothing. Dorcas wants to use the loan to buy more bales of clothing and scarves to increase her inventory and sales. She is a member of the group called Sons of God. Members agree to guarantee for each other to repay the loan.