Akosua D. is a 26-year-old woman and is married with three kids, who currently attend school. Akosua works very hard to provide food for herself and her children. She has four years of experience dealing in goods such as ladies bags, shoes, materials and other footwear in a market center at Obuasi Ghana. She believes that with her good human relations and her proximity to the market area, the loan would help her to purchase the right quantity of goods demanded by her loyal customers. She says that this would help her make more profit to expand her business and also finance her kids' education. Akosua is a member of Trust Group called St John. In this group, members assist one another to provide support in handling repayment.