Mina is 35 years old. She is married with two children who are currently in school. She owns and operates a grocery and sells items like rice, evaporated milk, canned foods, cooking oil, washing powder, toilet soaps, candies, and biscuits in the local market of Koforidua, Ghana. She wants to use the loan to buy rice, canned foods, milk, food spices, washing soaps and powders in bulk to expand her business. Mina hopes to make good income from the expanded business to support her children in school. She belongs to the community group called ‘Living Faith Trust Group’. The group guarantees a loan through a repayment pledge. Peer pressure and support provide the incentive to repay because if one person in the group defaults, the other group members make up the repayment amount.