Salamatu I. is thirty-five years old and married with three children. She lives with her family in a town in Ghana called Atebubu. Atebubu is a farming community. The inhabitants produce food crops like maize, yams, millet, beans, etc. Her first born has completed senior high school while the last two are in junior high school.
She sells products like beans, soya beans, groundnuts, rice, etc and other food items like vegetable cooking oil. She has been in business for twelve years. Salamatu buys her cereals and other goods from surrounding villages and the farmers in her locality. She sells in the local market on a table top.
Salamatu says that food vendors come to her to buy in large quantities and so, wants a larger working capital to buy goods in bulk to be able to meet the demands of her customers. She, therefore, wants the loan for this purpose.
Salamatu is in the “Do Good” Trust Bank group. The group members guarantee one another as collateral to access the loan