Joyce is 41-years old and the mother of three children. She also has one adopted daughter who is currently in school. She sells slippers and babies’ dresses. There is the demand for children’s clothes and she will use her loan to increase her inventory and sales. Her previous loan from Sinapi helped a lot and she was able adopt a little girl to who needed a home. Joyce is a member of the group called “Adom Mmrodo” meaning Abundant Grace. Members agree in principle to guarantee for each other to repay the loan. Margaret in the photo with her adopted daughter.