Florence A. is a 38-year-old trader. She is married with one child; she also cares for her sister's child. She has been selling used clothes in the local market of Tema for 2 years. With income from her business, Florence supports the two children in school. Her major business challenge over the years has to do with funds to scale up the business. She has lots of marketing experience and is very confident that the loan would enable her to achieve remarkable business progress. She wants to use the loan to buy more bales of used clothes to serve her customers. She hopes to save enough to support her children through school. She belongs to the group called ‘Morning Star’ Trust Group; members in this group provide assistance to one another to repay the loan.