Rachel is 32 and married. She has owned and operated a beauty salon for the past seven years. Rachel is a very skilled and talented hairdresser who adds beauty and style to the hair of her customers. She believes in the efficiency and effectiveness of service, therefore she wants to use the loan to buy larger quantities of hair products like weavons, pomade, shampoo, activators, etc. to provide quality service to her customers. She hopes to increase her savings and include the sale of cosmetics. She is a member of the community group called “Nyame ye odo” (God is love) Trust Group. In this group, members guarantee for one another as a social collateral to access loans and help each other to repay the loan.