Lumor is 36 years old and single. He has been a general photographer for 10 years and loves his work. He also does glass cutting and shoots video. Lumor owns a photography and video shop where his clients pose for their photographs. He also goes to parties and concerts to take photos of his clients. He requests a loan of $975 to buy additional tools and materials like a new camera, flash, video camera, glass, and other materials to expand his studio. Lumor belongs to the community group called Living Faith Trust Group. In this group, members guarantee the repayment of their loans through pledge.