Mary F. is fifty years old and married with six children, some of whom have completed high school. The last born is currently in junior high school. Mary lives with her husband and some of their children who are dependent in Atebubu.
Mary is a baker. She bakes bread in her backyard and distributes to bread sellers and some beverage sellers in her community. She has been in this business for over seven years. Mary says that as a way of cutting down on transportation costs, she has formed an alliance with other bread sellers who travel to the city to buy the materials in bulk and share among themselves accordingly.
She wants the loan to buy materials in larger quantities.
Mary is in a group called ‘Maranatha’ Trust Group in her community. The members in the group guarantee one another as collateral to access the loan and provide support to one another to repay.