Juliana is 44 years old and a married mother of four children. Two of them are in school; the first two have completed high school. She treks to the farming communities in the Volta region of Ghana to purchase local rice to sell in the market, as she has for ten years now. She says increased prices of rice and fuel have reduced her working capital. She hopes the loan will enable her to inject more capital into the business to meet the demands of the market. She wants to use the loan to buy a bulk supply of rice to avoid price hikes and frequent travels. She hopes to increase her savings to support her husband in paying the children's school fees. She is a member of the group called Diamond Trust Group. Members agree to guarantee for one other as social collateral and assist each other to repay the loans.