Abdul W., 33, is married and a father of six children. The eldest five are all in school.
Abdul is a palm oil producer in his town and has been in this business for fourteen years. He says it is through this business that he provides for his family and covers other expenses. He is the chairman of the palm oil producers in the community.
According to Abdul, they are able to make good sales when the commodity becomes scarce in the system. He therefore wants to buy palm fruits in large quantity when it is plentiful and falls in price. Then he can prepare the oil, store it and sell it later when its price has risen. In this way, his profit margin will increase and can meet all his family expenses.
Abdul belongs to the “Dichem” group where the group members guarantee one another as collateral to access the loan.