Martha A. is forty-five years old. She is married and has given birth to four children. She says two have graduated from senior high school but the youngest is currently studying in junior high school. She lives with her family in their own house at Kwahwu Da, a farming community in the Eastern region of Ghana.
Martha works hard to support her husband to provide for the family. Her husband is a farmer who cultivates food crops and all kinds of vegetables. She sells food, such as plantain, cassava, and yams from a table top in the community market. She also distributes cassava and plantain to local ‘chop bar’ (restaurant) operators. She buys her goods from the farmers in the surrounding villages. She has been in business for four years.
She wants a loan to buy the food on large scale so that she can cut costs, including frequent trips to procure the goods, and also to maximize profit.
She is a member of the community group called ‘Anigyee’ ("Happiness:). Members of this group guarantee for one another as social collateral to access the loan and support one another in handling repayment of the loan.