Joyce A. is a thirty five year old divorced mother of three children that are currently in school. She owns and operates a beauty saloon in her neighborhood. Joyce is a very skillful and a talented hair dresser. She does all kinds of hair style like plaiting, perming and fixing of weave-ons etc. She believes in efficiency and effectiveness of service, therefore she wants to use the loan to buy larger quantities of hair products like weave-ons, pomade, shampoo, activators etc. to avoid shortage and poor service. She is a member of the community group called Mercy Trust Group. In this group, members guarantee for one another as social collateral to access loan and utilize peer pressure to repay the loan.