Regina A. is fifty-two years old and the mother of four children. Two of her children are in school. She has a grocery store as the main source of livelihood for her family. Regina is very grateful for the previous loan that enabled her to own her shop. She gives testimony of how the loan helped her to send her first two children to school. She wants to use the loan to buy more products like evaporated milk, toiletries, cereals, bottled water, etc., to increase her sales and profit. She has a personal guarantor to secure the loan in case of default.