Cynthia is a fine lady. She is a 38 year old business woma, a wife and a mother of three children. She trades in batik tie and die and lace materials. She would like to use the loan to purchase to buy those items in build and begin selling jewelry. She plans to use part of her profits to provide her children with quality education. She is a member of the community group called ‘For Christ Trust group’. The group guarantees a loan through repayment pledge. Peer pressure and support provide additional incentive to repay, because if one person in the group defaults, the other group members make up the repayment amount.