Jonathan N. is 35 years old. He is married with two children. He has been a photographer for the past ten years. He also does glass cutting and video shooting. Jonathan owns a photography and video shop where his clients can pose for their photographs. He attends occasions such as parties and concerts to photograph his clients. He is requesting this loan to enable him to buy additional tools and materials such as camera, flash, video camera, and glass to expand his business. He belongs to the community group called Living Faith Trust Group. In this group, the members provide a guarantee for one another, social collateral to access loans and peer pressure, to repay the loan.