Kwadwo B. is thirty-five years old. He sells secondhand (used) shoes in one of the busiest local markets. "I used to obtain my supplies on credit at relatively expensive cost, but the previous loan provided me with working capital to obtain cash supplies. I am very grateful," says Kwadwo. He wants to use the new loan to build a small shop to store his goods to reduce frequent thefts that disturb his business. This will also provide him with enough space to increase his stock and make additional profit. Kwadwo is single and he hopes to increase his business income to provide him with the means to get married. He belongs to a community group called Love Trust Group. The group members agree in principle as social collateral to guarantee for each other to repay the loan.