Helena, age 44, is a widow and mother of eight children. Through her business, she has been able to support two children to complete high school. Helena enjoys selling goods, the trade through which she obtains her daily source of income. She is a petty merchant who trades in vegetables and fruits in the local market. Helena has good customer service, and because of that many customers buy from her stand. However, she buys her supplies on credit at relatively high prices for lack of adequate working capital. With this loan, she wants to purchase bulk supplies of vegetables and fruits to serve her customers. She belongs to the community group called Adekyensroma Trust Group. Members in this group guarantee loans for one another as social collateral.