Francisca is twenty eight years old . She is married with two children in school. She has been trading rice and fresh tomatoes for five years. Her experience in trading has made her one of the most successful traders in the market. She considers the loan a great opportunity to expand her business to include other items frequently demanded by customers. She wants to use the loan to buy more bags of rice and sugar and cartons of vegetable and palm oil. Francisca belongs to the community group called ‘Living Faith Trust Group’. In this group, members guarantee one another as social collateral and provide peer pressure to repay loans.