Ama D. is 45 year old. She is divorced and the mother of six children. She is a local manufacturer of soaps. She combines materials like palm oil, soda powder, cocoa pods, and coconut oil to obtain her soaps. She also sells palm oil for cooking. She is not able to produce soap in large quantities because of the lack of funds. She wants to take advantage of the loan facility to buy more raw materials and processing equipment to scale up production. She hopes to improve her income so she can support her children’s education. She belongs to the community group called St. John Trust Group. Members in this group guarantee and support one another to repay the loan.