Martha Y. is 46 years. She is married and has two children. She lives with her family in Dunkwa Obuasi in the Ashanti Region of Ghana. She is a trader who sells mattresses, curtains, and bed sheets. She has been in this business for the past 25 years. She requests a loan to augment her working capital so she can buy buy more mattresses, curtains, and bed sheets. She believes the loan will enable her to raise more income to better support her family. Martha is a member of a group called Gospel Light Trust Group. Members in this group guarantee and provide assistance to one another to repay the loan.