Gifty is 31 years old and has two children. She earns income selling fresh fish in the village to customers who then use the fish to prepare their dishes. Gifty currently needs a loan to buy additional trays of fresh fish for sale. This, she believes, would enable her to save some money to be able to afford renting a store for her operations and also to support her husband in paying their children’s school fees. Gifty is a member of the group called Isaiah whose members agree to provide a guarantee for each other as social collateral to repay their loans.