Janet D. is thirty-three years old. She is married and has two daughters and a son, who are all currently in the basic school. She lives with her family at Kwahu Da in the Eastern region of Ghana. Janet’s husband is food crop farmer. Janet runs a grocery store to help provide for the family. She has been in business for three years. She sells items such as tins of milo, milk, sugar, bread, canned fish, etc. Janet buys her goods from wholesalers in the big cities nearby, such as Kumasi.
She seeks a loan to expand the size of her store and also to buy goods in bulk. She hopes to increase her profit margin, which will enable her save more for her family, especially for her children’s education. She belongs to a trust bank group called Heaven. Members in this group guarantee for one another, as social collateral, in order to access loans and to support one another in handling the repayment of loans.