Hannah A. is sixty four years old. She is married with four children who are currently in school. Hannah is very hard working and dedicated to every piece of her business. She sells kenkey, oil and also supplies plantain suckers to farmers in her local community for planting. She sells multiple commodities to enable her earn a good income to support her children’s education. Her husband is a pensioneer. She wants to use the loan to buy more bags of maize, gallons of palm oil and plantain suckers to increase her stock of goods for sale. She hopes to increase her income to pay for her children’s school fees and other educational needs. Her dream is to see all her children graduate from high school and university which motivates her to work hard. She is a member of the trust group named Daniel Nyame (God of Daniel). In this group, members guarantee one another as social collateral to access loans and utilize peer pressure to repay the loan.