Vincent S. is 42 years old. He is married and the father of two children who are currently in school. He has been in the furniture and interior decoration business for eighteen years. He is a specialist in dining sets, beds, upholstered chairs, kitchen decoration etc. His experience, skills and designs are first-class. He gives his customers a new look in their homes, offices, and kitchens. He hopes to increase his savings to provide his children with quality educations. He is a member of the community group called Saamu, which means "Receiving Group." In this group, members guarantee for one another as social collateral to access and repay the loan.