Florence Debek is 38 years old. She is a wife and the mother of five children. Two of her children have completed senior high school, and the rest are in junior and primary schools. She is a local manufacturer of palm kernel oil.
Palm kernel oil is produced from palm kernel, which is a by-product of palm oil. The palm kernel is processed through various stages to obtain the palm kernel oil, which is used to prepare many local dishes, like fried fish and pastries. Selling palm kernel oil is one of the most common occupations of local women in the town of Goaso.
Florence produces and supplies her oil to food vendors to prepare their meals. However, her production is on a small scale, because she does not have enough working capital to support wholesale production.
With this loan, she wants to buy a hundred bags of palm kernel and an electric milling machine to reduce the drudgery of manual effort. She believes the loan will help her to raise more income to provide food for her family and to finance her children’s education.
She belongs to the ‘God’s Love’ community trust group. In this group, members guarantee for one another as social collateral to access loan and provide support to one another to repay.