Married with three children who are currently in school, Rachael O. is 43 years old. She sells food like cassava, plantain, maize, bananas etc. in the local market of Nankese in Koforidua, where she lives. She has been selling for the past fifteen years; she has lots of selling experience to win customers. Rachael is an achiever and her focus is to save enough to provide her children with quality educations for their future careers. She wants to use the loan to buy increased stock to serve her customers and grow her business. She is a member of the community group called "Nyame mma" Trust Group. In this group members assist one another to provide support in handling repayment. She would be grateful for your assistance.