Grace is 42 years old and the mother of 6 children. All her children are currently in school. Grace treks to the nearby villages to buy her products and retails them in Kumasi, where she has good sales and gets additional income to support her family. She wants to buy more farm products to avoid price hikes as the country enters the farming season. She wants to use the loan to buy plantains and cocoyams. Grace is a member of the group called Isaiah. Members agree to guarantee for each other as a form of social collateral in order to repay the loan.