Justina is married with four children. Three of them are currently in school. Eating cereal in the morning as breakfast has become a regular meal for the working class in Ghana as one does not need to spend much time preparing it. Therefore, the demand for cereal is very high. Justina has been engaged in her business for 10 years now. She wants to use the loan to buy more boxes of cereal to increase inventory and also to avoid price hikes. Justina is a member of the group called Sons of God. Members agree to guarantee for each other as social collateral to repay the loan.