Hawa M. is thirty-five years old. She is married with three children who are currently in school. She sells porridge and groundnuts at her neighborhood. Porridge is one of the local foods that is often enjoyed for breakfast. It is prepared from milled maize or millet grains, which is boiled and eaten with sugar, milk and bread.
With a large customer base, Hawa wants to use the loan to buy more raw materials like bags of maize, millet, sugar and milk to increase production. She hopes to earn a good income to support her younger brother in school.
She is a member of a group called Jacob Trust Group. In this group, members guarantee for one another as social collateral to access their loans and peer pressure to repay their loans.